Strategic review of your workers' compensation program to identify savings opportunities, reduce premiums, and optimize your coverage structure.
Workers' comp costs represent a significant operating expense—and most businesses accept their renewal rates without challenge. A structured audit reveals where you're overpaying.
Workers' compensation is one of the most complex and often misunderstood business expenses. These situations typically signal an opportunity for review.
Policy renewals are the ideal time to benchmark rates and identify if you're being properly rated for your actual risk exposure.
A shift in your claims experience—positive or negative—may not be reflected in your current premium structure.
Growth, contraction, or significant changes in employee roles can alter your risk classification.
Our audit examines every component of your workers' compensation program to identify savings opportunities and coverage optimizations.
Experience Modification Rate (EMR)
Verify your EMR is accurately calculated and reflects your actual claims history
Class Code Assignment
Ensure employees are properly classified according to their actual job functions
Premium Audit Accuracy
Review payroll calculations and premium computations for errors
Coverage Structure
Evaluate whether your coverage limits and deductible structure are appropriate
EMR Correction
Errors in claims history can inflate your EMR and premiums significantly
Payroll Reclassification
Proper classification of employees often reduces assigned premiums
Safety Program Credits
Documented safety programs can qualify for premium credits
Deductible Optimization
Strategic deductible selection can reduce premiums while managing risk
We provide independent analysis focused on your interests—not commission-driven recommendations from insurance producers.
Typical premium savings through proper classification
Analysis without carrier conflicts
Initial audit at no charge
EMR, class codes, payroll, and coverage
Our workers' comp advisory clients achieve measurable improvements in their insurance programs.
Lower annual premiums through proper classification and EMR correction
Coverage structure appropriate for actual risk exposure
Identified billing and rating errors corrected and credits recovered
Premiums aligned with actual workforce risk profile
Combine Workers' Comp optimization with other operational audits for comprehensive overhead reduction.
Wireless, internet, and software optimization with 25-40% savings.
Freight audit and carrier negotiation for 15-30% savings.
Service optimization and vendor consolidation for 30-50% savings.
Interchange optimization and rate negotiation for 20-50% savings.
Confidential analysis of your workers' compensation program to identify savings opportunities and coverage optimizations.