Warning Signs

Red flags

Each business is different. Each situation involves different circumstances and facts. Most of our clients were unaware that they had been overcharged or did not know that there was a problem until we got involved. Our goal is to ensure that mistakes are identified, corrected, and not repeated. You will know what to look for in the future.

Here are some signals that you may be entitled to refunds:

The insurance company has changed your basic classification.

Your experience modification has been increased during or after the policy period.

Charges were made for uninsured subcontractors or owner-operators.

Various credits or discounts are missing from your policy.

You did not get a copy of the auditor’s worksheets.

You received a large additional or return premium (you may be entitled to more).

Your state implemented a rate change.

Previously open claims have been denied by official rulings.

Your audit was conducted more than 120 days after expiration.

Your audit was performed via mail or telephone.

You have had an NCCI or Bureau inspection which resulted in a higher rated classification being added to your policy.

You have never reviewed the Workers Compensation Basic Manual for new codes.

Credits that were on last year’s policy have been removed from your current policy.

Your policy does not use at least 4 classifications.

You are a contractor involved in several types of work.

The audit was conducted on a quarterly basis using the 941’s or State Unemployment returns.

Your policy was cancelled or rewritten with a different effective date.

Your classification includes the words “all employees.”

You have a minimum premium policy and have no employees or payroll.

You are an executive officer of the corporation and your wages were assigned to a high rated classification.

You are a contractor involved in a Wrap-up construction project.

Your policy contains an ARAP surcharge.

Your policy was endorsed mid-term to increase your premium.

You are on a deductible plan.

Your policy shows schedule rating debits or credits.

You engage in drug testing and may be eligible for credits.

You are a contractor paying high rates of pay and may be eligible for construction credits.

Some of your claims involve vehicle accidents, slips and falls, dog bites.

You hired new employees knowing they had previous work related injuries.

The auditor reclassified workers at final audit even though the policy was estimated differently.

You are unaware of the most recent classification changes and updates to the Workers Compensation Manual.

Your broker or agent has not been successful in resolving your dispute.