FAQs

Q. How do I know if I’ve overpaid my insurance?
A. You don’t know if you have been overpaying without an independent audit. Your yearly audit is done by your insurance company to review your payroll. With over 700 classifications in the NCCI code which can be easily misclassified, discrepancies in the modification code, claim reserves improperly opened or closed, overstated payrolls, mistakes in revised audits, rate changes, improper experience ratings, etc. you don’t know if you have a mistake even if everything may seem fine.

Q. Don’t I already get audited yearly?
A. Your yearly audit is done by your insurance company to review your payroll to determine your premium, not to fix errors in the premium.Even if you have done everything properly on your side, insurance companies make many errors based on the complexity of premiums themselves. Isn’t it worth your time to see if you can get back thousands of dollars and have peace of mind with no cost to you? It’s a no risk proposition.

Q. How does this work?
A. Go to the Get Started page and get all the necessary paperwork ready. We can go back a minimum of 3 years with the possibility of going back up to 7 years depending on how the policy was written.

Q. How much is this going to cost?
A. The review is absolutely free. If money has been overpaid we work on a contingency basis. We don’t get paid unless you get paid first.

Q. Do you sell insurance?
A. We have never sold insurance nor do we intend to in the future. We work with your insurance company and your agent.

Q. How much time will this take?
A. Not more than 15 minutes if you have the paperwork, and if you do not have the necessary papers your agent can fax or mail to you within minutes. With the amount of money you will get refunded and the additional amount you will save in the future it’s worth every minute of your time. If you cannot get the paperwork, send us over an authorization paper and we will retrieve all necessary documents, but things move faster and quicker if you can get the paperwork. We do everything else and we do all of our work away from your office.

Q: Will this affect my agent and insurance company?
A. The insurance industry is heavily regulated. Your agent and insurance provider wants to work within the perimeters of the regulations. They know what is good for you is good for them as well. The work done to fix the errors in the policy is not a reflection of the insurance agent, but rather the insurance company mistakes.

Q. Are there fees for money saved in the future?
A. After we show you the errors and help refund your money, any money you save in future premiums is totally yours.