Advanced Insurance Management logo

1-800-288-9256   AIM@cutcomp.com 

 

                                             

   

Reduce Premiums.  Recover Overcharges.  Dispute Audits.




Employers sometimes get overcharged for Workers Compensation insurance.

And by sometimes, we mean alarmingly often.
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*Valen Analytics research has found 65% of small businesses overcharged on Workers Comp insurance.

We help employers dispute and reverse those premium overcharges on policies and audits.

We also help employers prepare for Workers Comp audits, to avoid problems before they occur.

History Services Qualifications Blog Work Comp Guide Expert Witness Contact



Since 1987, we've helped employers all over the U.S.
reduce Workers Compensation insurance costs

by finding and correcting insurance company underwriting and audit errors.

But we don't sell insurance.
We fix it.

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We recover overcharges on past Workers Compensation insurance policies, reduce current premium audit billings,

and we advise employers about correct classification codes and how to lower experience modification factors, as well as how to dispute premium audits that are excessive.

 

And we help employers prepare for Workers Comp audits, before the insurance company auditor arrives, to avoid overcharges before they occur.


In other words, we figure out how your insurance company has overcharged your company for Workers Comp insurance.



And then we get those overcharges
reversed
and refunded. 

In short, we get money back for companies from their old policies.



And those overcharges are a lot more common than the insurance industry likes to admit.

Sometimes policyholders know when they're being overcharged--like when they get a Shock Audit for ten times the original premium on the policy.

But sometimes the overcharges are hidden, and get repeated year after year after year.

 

 

Shocked by your latest Workers Comp

Premium Audit? Workers Comp Shock Audit

We May Be Able to Reduce That Bill

 

We review Workers Compensation insurance audit billings to find and then fix technical errors that make the premium charges higher than they really should be--fixing mistakes before you pay that inflated bill.

 Audit errors by insurers are common and we've been helping employers reverse those errors since 1987.

 

Learn More

 

Audit Prep for Employers

Workers Comp insurance audit helpAvoid overcharges before they happen

We help employers prepare for their Workers Comp audit to avoid problems and overcharges.

 

Learn More


 

Premium Recovery

 Premium Recovery on Workers Comp insuranceMoney back from Old Policies

The art and science of getting money back from your past Workers Comp policies--how much can we get back for your company?

Learn More

 


 

Experience Modification Factor increase

  Experience Modification Factor helpshutting your company out of work?

 

We Help Lower Experience Mods

 

New experience rating formulas are hurting many employers, and a mod over 1.00 can shut you out of important projects. A.I.M. lowers  X-mods for clients by finding and correcting hidden calculation errors. 

Learn More 

  


 

Change in Workers Comp Classification

  threatening your business? Workers Comp classification help

 

We Help Fix Incorrect Classifications

     

      A.I.M. has helped employers all over the United States fight mistaken Workers Compensation classification changes initiated by insurers or by rating bureaus such as NCCI.


 

 

In litigation over Workers Compensation

insurance premium charges?

expert witness workers compensation premium & audit We provide expert witness services

in legal cases involving Workers Compensation insurance premiums, audits, classifications, experience modifiers, and related technical issues.

 

                                 State and federal courts across the U.S. have recognized A.I.M. personnel as qualified experts on these issues.

 



 

We also can recover overcharges from your past Workers Compensation policies.

And we help employers successfully dispute Workers Compensation premiums, classification changes,  and audits made by insurance companies.

Trust. But Verify.

 

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. And we've helped all kinds of companies.

 

Precision MachiningContractorsSmall BizStaffing


"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





Again, We Don't Sell Insurance (even if it is our middle name.)

 

 

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.

 

And we can work together with your agent, where appropriate, as we are not affiliated with any insurance agency or insurance company. 

Testimonials

 

 

 

 

"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 bills.
Advanced Insurance Management was able to negate the premium that the insurance company was trying to apply. I would highly recommend Advanced Insurance Management to anyone that is involved in a dispute with their Workmans Compensation Insurance carrier.  They saved my business."--WTLS Service

 

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"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


 

 

Sadly,  errors and overcharges in Workers Comp premium charges are far more common than many in the insurance industry like to admit. The complexities of rules governing proper classification, experience modification factors, payroll audits, and varying state regulations and statutes mean that many employers are overcharged without ever knowing it.

 

 

oldest and most experienced firms in the field of premium recovery.

 

 

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.

 


 


We Are Premium Auditors Who Work For The Policyholder

Unlike the premium auditor sent by your insurance company, who is paid by your insurance company.

 


 

Over the years, we figure we've produced well over $30,000,000 in Workers Compensation insurance premium reductions and refunds for clients. In the cases we review, we find significant reductions or refunds in one-third to one-half of them. You can find the answers to more Frequently Asked Questions here.

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.

 

You can also listen to an audio interview about our work.



We've been helping employers since 1987, making Advanced Insurance Management one of the oldest and most experienced firms in the field of premium recovery.


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                  Advanced Insurance Management BBB® Accredited Business SealBBB® Accredited A+ Rating

1-800-288-9256

 

"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

 

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1-800-288-9256

 


you can also listen to an audio interview about our work.

 

Consultants on Workers Comp Classification Codes, Experience Modifiers, Payroll Audits, & More



We've been helping employers since 1987, making Advanced Insurance Management one of the oldest and most experienced firms in the field of premium recovery.


 





"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
Advanced Insurance Management BBB® Accredited Business SealBBB® Accredited A+ Rating  
  • Advanced Insurance Management LLC
  • 3230 South Harlem Avenue,  Suite 203
  • Riverside, IL 60546
  • contact us:phone: 800-288-9256
  • e-mail:aim@cutcomp.com