• Your policy was cancelled because of an audit or classification dispute.

  • Claims activity has increased your experience modification.

  • Credits or discounts are missing or have been reduced.

  • Your policy has retro adjustments and you are unsure if they have been calculated properly according to the rules in the Retrospective Rating Manual.

  • Your account has been turned over to a collection agency.

  • Your classifications have been changed, resulting in increased costs.

  • You did not receive credits even though you have had few or no losses.

  • The insurance company has not resolved your problem.

  • You can't tell if the insurance company has used sub-standard rates to calculate your premiums.

  • The auditor assigned the wages for some of your employees to the highest rated classification even though they have multiple duties.

  • You are not receiving credits for which you are eligible because you do not know about them.

  • You have a scheduled rating credit and do not understand how to increase it.

  • You have a scheduled rating debit and do not understand how to remove it.

  • The insurance company will not consider your business for a dividend plan and you don't know why.

  • You have trouble receiving loss/claims information from the insurance company.