For businesses
Where the $8 billion figure comes from, and what an independent read on your audit actually gets you.
How the number is built
Twenty percent isn't a guess. It's the passing grade.
Rating bureaus test carrier audit quality by re-performing a sample. In California — the most demanding bureau in the country — a carrier is rated satisfactory at 80%. One error in five is, by design, an acceptable result.
Annual US workers' compensation premium.
$42BError rate accepted as satisfactory by the strictest state bureau.
20%Carriers that fail the standard, and third-party vendors with reportable error rates reaching 60%.
HigherPremium sitting on audits that would not survive review.
$8BWe don't sell insurance and we don't replace your broker.
We do one thing: determine whether the premium was calculated correctly, and argue it if it wasn't.
Reviewed by experts behind the rules
Workers' comp manuals are hundreds of pages and vary state by state. Our experts have spent years inside carriers. Some helped write the manual rules themselves.
Our expert review includes:
- A full review of your governing classification and standard exception classifications, with every discrepancy explained.
- Specific manual references and citations, with the relevant excerpts attached.
- A check of every applicable deduction — overtime, tips, severance, and the rest.
- An analysis you can attach directly to your dispute with the carrier.
- Our contact information, so you can follow up with questions.
- Construction contractors
- Manufacturers
- Retail & mercantile
- Aviation
- Trucking & transportation
- Professional services
- Tech — software, hardware, AI
- BioTech — R&D, biomedical research
- Restaurants & hospitality
- Staffing & PEO
- New businesses
Two documents, 24 hours. Then you'll know if you overpaid.
The preliminary review is free, with no obligation.
All we need is the audit worksheet and the final bill.