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Keep Your Agent--Cut Your Costs
Advanced Insurance Management consults with employers about Workers Compensation insurance premium audits, classifications and experience modifiers, double checking technical issues that directly affect the premium charges made by inurers.
We don't sell insurance. We don't compete with your insurance agent or broker.
Instead, we serve as independent experts on issues such as proper Workers Comp classification codes, payroll audits, and experience modification factors, with a focus on making surean employer pays no more in Workers Comp insurance premiums than is properly called for under the rules.
We also consult with insurance agents/brokers, accountants, and attorneys who have clients with problems or disputes over Workers Compensation insurance premiums, audits, classification codes, experience modification factors, and other technical rating issues that impact Workers Comp insurance premiums.
Insurance companies and rating bureaus such as NCCI can make errors that mean employers pay higher premiums. We find and fix those errors.
We find, fix, and recover overcharges in past & current Workers Compensation insurance premiums paid by employers.
We're consultants with no ties to any insurance agencies or insurers. Our services involve making no changes in your agent or your insurance company.
We assist employers of all sizes, of all types, all across the U.S.A.
In short, we lower Workers Comp insurance costs for employers by finding and correcting underwriting and auditing errors in Workers Comp premium calculations and audits.
We check over the classification codes used to compute your premium charges. We check the experience modification factor used to adjust your premium charges. And we check over the payroll audits done for past policies that determined the final premium charges paid for those past policies.
"I would like to thank you for the great work you did in investigating the problem with our experience modification rating. Your discovery of errors as well as insurance companies' failures to submit data to NCCI were critical to our company's ability to continue to do construction work on federal projects."--National Resource Management
We Don't Sell Insurance
Advanced Insurance Management LLC is not an insurance agency or brokerage. We're not looking to compete with or replace your current insurance agent. That means we can assist you, as consultants, without making any change in who you buy your Workers Comp insurance from.
Companies We've Helped
Manufacturers. Contractors. Transportation companies. Staffing companies. Hospitals.
An NFL team. Social Service Agencies. And even a company providing technicians at the National Synchrotron Light Source at Brookhaven National Laboratory.
In other words, just about every kind of employer you can think of, and some you might not have thought of.
"Before we hired Advanced Insurance
Management, we were facing almost $40,000 of workers compensation
premiums for my company that supposedly had one employee. I was facing
the very real possibility of having to close my doors because of these
"Your review of our past Workers' Compensation policies produced a refund of just over $23,000, a refund produced by your finding overcharges in our old policies that we had never realized had occurred." --Diamond Blast Corporation
We've helped employers of all types and all sizes – from very small contractors and machine shops to Fortune 500 corporations. And we're experienced with the Workers' Compensation rules and regulations of every state that allows private insurance for Workers' Comp. So no matter your company's size, or where you're located, AIM may help you to reduce the cost of Workers' Compensation insurance now and in the future.
"Thanks to your persistence and effort, we received a refund of over $36,000 from our insurance company."-Polar Tool
you can also listen to an audio interview about our work.
Consultants on Workers Comp Classification Codes, Experience Modifiers, Payroll Audits, & More
"Advanced Insurance Management has been a tremendous help to Allied Welding, Inc., and has saved us money and generated a significant refund on our Workers' Compensation by finding an error in our classifications. We value their expertise."--Allied Welding