FREE PREMIUM REVIEW
Workers Comp Premium Audit & Recovery
Wrong class codes, payroll errors, and experience mod mistakes quietly inflate workers comp premiums. Our free premium review checks all three, and if you have been overcharged, we help you recover what you may be owed.
Start My Free Premium Review Call 833-776-4671- Business Insurance
- Workers Comp Premium Audit
Quick Answer: A workers comp premium audit is an independent review of how your premium was actually calculated: your class codes, your payroll figures, and your experience mod. Errors in any of the three lead to overcharges, and when an error is confirmed, corrections can often be applied to prior policy years, which may mean money back. The review is free, and it does not change your coverage.
Workers comp premiums are built from moving parts most owners never see: classification codes, audited payroll, and an experience modification factor calculated from three years of claims data. Each one is a place where an error can quietly cost you money, year after year. A premium review puts a second set of eyes on the math behind your workers compensation insurance, at no cost and with no obligation.
Where workers comp overcharges come from
Most overcharges trace back to one of four errors. None of them are obvious on your invoice, which is why they go uncaught.
Misclassified class codes
Every job has a classification code with its own rate. When clerical staff get rated like field crews, or one high-risk code is applied to your whole payroll, you pay a multiple of the correct rate.
Payroll counted that should not be
In most states, the premium portion of overtime pay and certain other remuneration can be excluded from workers comp payroll. Audits that miss those exclusions overstate your payroll and your premium.
Experience mod errors
Your mod is calculated from three years of claims data. Claims reported against the wrong policy, reserves left open after a claim closes, or simple data errors all inflate the multiplier applied to every dollar of premium.
Audit and rating mistakes
Wrong rates applied at renewal, credits you qualified for but never received, and subcontractors picked up as employees because certificates were missing at audit time.
How the free review works
STEP 1
Two-minute qualification
Tell us your state, your approximate annual workers comp premium, and your carrier. That is all we need to confirm a review is worth your time.
STEP 2
Independent specialist review
An independent workers comp premium recovery specialist examines your policies, audit worksheets, and experience mod data line by line, looking for classification, payroll, and rating errors.
STEP 3
Findings and recovery
A licensed Pro Insurance Group advisor walks you through the findings. If your program is clean, you will know it. If money is owed, the recovery process starts, and you approve every step.
Who should request a review
A premium review makes the most sense if any of these describe your business:
- Annual workers comp premium of roughly $25,000 or more
- Employees doing different kinds of work under multiple class codes
- Construction, contracting trades, manufacturing, staffing, transportation, or healthcare
- An experience mod above 1.0, or a mod that jumped without a clear reason
- A surprise bill after your last premium audit
- Recent growth, an acquisition, or a change in operations
Good to know before you start
The review is free and no-obligation. It is performed with an independent third-party premium recovery specialist, and every finding is reviewed with you by a licensed Pro Insurance Group advisor before anything moves. Your coverage does not change unless you choose to change it.
Start your free premium review
Takes about two minutes. A licensed advisor will follow up within one business day.
What our clients say
Frequently asked questions
What is a workers comp premium audit?
It is an independent review of how your workers comp premium was calculated: the classification codes assigned to your employees, the payroll used to rate the policy, and the experience mod applied to the total. The goal is to confirm every input is correct and to identify any overcharge.
How do workers comp overcharges happen?
The most common causes are employees assigned to higher-risk class codes than their duties warrant, payroll that should have been excluded (like the premium portion of overtime in most states), errors in the claims data behind your experience mod, and rating mistakes such as missed credits or wrong rates at renewal.
Can I recover premium I already paid?
Often, yes. When a classification, payroll, or mod error is confirmed, corrections can frequently be applied to prior policy years and the overcharged premium returned. How far back a correction can reach depends on your state's rules, so the recovery window is confirmed as part of the review.
What does the review cost?
Nothing upfront. The initial review is free and no-obligation, and the independent recovery specialist works on contingency: if no overcharge is found and recovered, you pay nothing. If money is recovered, the specialist's fee comes out of the recovered amount, and you will see exactly how that works in writing before you commit to anything.
Will this affect my current coverage or carrier?
No. The review examines how your premium was calculated, not whether you keep your policy. Your coverage stays exactly as it is unless you separately decide to make a change. If you do want your full program re-shopped, our commercial insurance team can quote 20+ carriers alongside the review.
Think you have been overcharged?
Two minutes to find out. If your program is clean, you get peace of mind. If it is not, you may get money back. Businesses in Illinois can also pair the review with our Illinois workers compensation team for a full program check.
Start My Free Premium ReviewOr call 833-776-4671 for a fast, no-obligation conversation.
Reviewed by Neal Fusco, VP of Commercial Lines
Neal leads commercial lines at Pro Insurance Group, helping businesses in 40+ states structure workers comp, liability, and specialty coverage through 20+ A-rated carriers.