Audit workers' comp classifications, premiums, and experience modification factors — identify savings opportunities without changing providers.
Request Cost Reduction ReviewOur workers' compensation cost review examines every aspect of your coverage — from classification codes to experience modification factors — identifying savings without changing carriers.
NCCI and state-specific class code assignments for each employee role — incorrect classifications are the #1 source of workers' comp overcharges.
E-mod calculation accuracy, claim reserve analysis, and factors that inflate your modification rate — directly impacting premium costs.
Past premium audits, payroll allocation, overtime calculations, and audit dispute resolution — recovering overcharges from prior policy periods.
Available credits for safety programs, drug-free workplace, return-to-work programs, and other risk-mitigation measures that reduce premiums.
Benchmarking your rates, coverage terms, and carrier performance against the broader market to identify better-value options.
Open claim reserve adequacy, claims management practices, and subrogation opportunities that may be leaving money on the table.
Workers' compensation premiums are rarely optimized — classification errors, inflated experience mods, and missed credits are surprisingly common across nearly every industry.
Misclassified employees are the single most common source of workers' comp overcharges. A clerical worker coded as a warehouse employee can cost 5–10x the correct rate. Each corrected code generates ongoing savings year after year.
Even a 0.05 reduction in your experience modification factor can translate to a 5% premium decrease. We identify claim reserves that are overstated and errors in mod calculation that inflate your rate.
Overcharges from prior policy periods — typically going back 3 years — can often be recovered through premium audit corrections and reclassification filings.
Schedule rating credits, dividend plans, group discounts, and safety program credits that carriers offer but don't proactively apply — often worth 5–15% of premium.
The workers' compensation cost review is designed for organizations where insurance premiums represent a material operating cost — typically $50,000+ in annual premium.
General contractors, specialty trades, and construction firms with high-risk classifications and complex multi-state coverage requirements.
Manufacturing operations with diverse workforce classifications — from assembly line workers to administrative staff, each with different rate implications.
Trucking companies, warehouses, and logistics providers with significant workers' comp exposure across drivers and warehouse personnel.
We bring specialized workers' compensation expertise — analyzing classifications, experience mods, and premium audits to identify savings most brokers miss.
Confidential review of your workers' comp policies — classifications, experience mod, premium history — identifying potential savings opportunities through structured analysis.
We work alongside your existing broker — not replacing them. Our independent analysis complements their efforts with specialized classification expertise.
We identify and correct errors directly with NCCI/state rating bureaus and your carrier — no carrier switching required to achieve savings.
We stay engaged to ensure corrections are applied, refunds are received, and future audits don't reintroduce the same classification errors.
Identify savings across payroll taxes, employee benefits, and workforce expenses.
Vendor contracts, procurement, facilities, insurance, and administrative overhead review.
Audit laundry and linen expenses — typical savings of 30–50%.
Review benefit program costs without weakening employee experience.
Most organizations may be overpaying workers' compensation premiums due to classification errors they may not be aware of. A confidential review can determine whether savings opportunities exist.
Request Cost Reduction ReviewConfidential · No obligation · Senior-level attention