Premium Recovery
We review audits, class codes, and payroll handling to spot billing mistakes and pursue refunds on contingency.
Experience Mod Review
We validate the mod and supporting loss data. Corrections can lower premiums and unlock refunds on closed periods.
Payroll & Classification Cleanup
We fix overtime treatment, 8810 splits, waivers, and documentation so your billing reflects reality.
Broker & Carrier Coordination
You keep your relationships. We manage the paperwork and updates with your approval.
Industries We Help Most
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Manufacturing
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Auto Dealers
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Hospitals & Clinics
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Nursing Homes
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Food & Beverage Processing
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Warehousing & Distribution
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Retail Chains
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Grocery Stores
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Restaurants
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Hotels & Resorts
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Construction
Why Choose Us
$0
Upfront Cost
Pay only from recovered funds after receipt.
5–15%
Of Annual Premium
Typical refund for each eligible year.
3-5 Years
Refund Lookback
We recover overpaid premium for previous years.
0
Provider Changes
We coordinate through current broker and carrier.
Where Refunds Hide
Payroll Mistakes
Overtime or departments counted the wrong way.
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Example: Time-and-a-half billed as regular pay raises your premium.
Wrong Job Codes
Office roles marked as shop or field work.
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Example: An admin coded as a warehouse worker raises your premium.
Experience Mod Errors
Old claim data not updated correctly.
Example: A closed claim still shows a large reserve and inflates your premium.
These are common, fixable issues. We only proceed with your approval.
Our Refund Process
Simple start. Deep review. Clear refund.
01
Share a Few Items
Provide a few documents to start.
We tell you exactly which. Easy.
02
Find Overcharges
Our experts review your policy for mistakes and overcharges.
You get clear findings and a refund estimate.
03
Fix & File
We prepare the case file and submit it to the carrier.
We handle questions and updates until it is approved.
04
Refund Issued
Funds returned by your carrier.
Check, wire, or policy credit.
Client Stories
What our clients have to say...
“They found billing mistakes we never would have caught. Our carrier issued a refund, and the corrected setup lowered our ongoing premium.”
Manufacturer, San Jose, CA
Auto Dealer, Orlando, FL
“Clear findings, light lift, real money back. We would recommend them.”
Construction, Grand Rapids, MI