Workers’ Comp Premium Recovery
One number is
costing you
real money.
One in three NCCI experience modification calculations contain errors. We find them, file corrections, and recover your overpaid premiums.
We help companies lower their EMR so they pay less for workers’ comp and qualify for better jobs. Our process is built for contractors and high risk industries across the Southeast.
Free review · No fee unless we recover money. Or estimate your potential savings with our free calculator.
Lower Your EMR. Lower Your Costs. Win More Work.
We help contractors and industrial companies identify what's driving their workers' comp costs and fix it.
Get an EMR ReviewYou're Probably Overpaying for Workers' Comp
If your EMR is above 1.0 or you're not sure what it is, you could be losing tens of thousands each year. We help companies correct it.
See Where You're Losing MoneyOne Number Is Costing You Thousands
Your Experience Modification Rate (EMR) directly impacts what you pay and whether you qualify for certain jobs. Most companies aren't managing it correctly.
Find Out Where You Stand
Your carrier reports the data. Nobody checks it.
Your experience mod is calculated by NCCI using data reported by your insurance carrier. When the carrier reports wrong data (and they do, frequently), your mod goes up and your premiums follow. Nobody catches it unless someone looks.
Classification Code Errors
Wrong class codes inflate your expected losses. These compound across every policy year and never self-correct.
Medical-Only Miscoding
Claims that should get a 70% discount at the split point are hitting your mod at full weight.
Stale Reserves
Carriers leave inflated reserves on closed or settling claims. Those reserves drive your mod higher every year.
Missing Subrogation
Third-party recoveries that should reduce your losses aren't being credited to your experience.
Three steps to a lower mod.
No upfront fees. No long contracts. Just results.
Upload Your Mod Worksheet
Send us your NCCI experience rating worksheet. That's all we need to start.
We Audit Every Line
We cross-reference your claims, class codes, payroll, and reserves against NCCI data, line by line.
You Get Money Back
If we find errors, we file corrections with NCCI and your carrier. You get a lower mod and recovered premiums.
Our Fee Model: Zero Risk
Initial Review
Free
Always. No obligation.
If No Errors Found
$0
You owe nothing. Ever.
If We Recover Money
Contingency %
A percentage of recovered premiums only.
Built for Southeast construction contractors.
We specialize in experience mod auditing for contractors in Florida, Georgia, Tennessee, Alabama, South Carolina, and North Carolina. Our actuarial expertise means we don’t just find errors, we model your mod forward and show you exactly how to keep it low.
- ✓General contractors & specialty trades
- ✓Framing, roofing, electrical, plumbing
- ✓Any employer paying $50K+ in workers' comp premiums
Find out if your mod is wrong.
Upload your NCCI experience rating worksheet. We'll review it at no cost. If we find errors, you only pay when we recover your money.
