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1-800-288-9256 AIM@cutcomp.com
Reduce Premiums. Recover Overcharges. Dispute Audits. |
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Employers sometimes get overcharged for Workers Compensation insurance. And by sometimes, we mean alarmingly often.* *Valen Analytics research has found 65% of small businesses overcharged on Workers Comp insurance. We help employers dispute and reverse those overcharges. We also help employers prepare for Workers Comp audits, to avoid problems before they occur. 
 
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We recover overcharges on past Workers Compensation insurance policies, reduce current premium audit bills, and we advise employers on correct classification codes and lower experience modification factors, as well as premium audits that are excessive.
And we help employers
prepare for Workers Comp audits, before the
insurance company auditor arrives, to head off overcharges
before they occur. 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
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.
Audit Prep for Employers
We help employers prepare for their Workers Comp audit to avoid problems and overcharges.
Premium Recovery
T he art and science of getting money back from your past Workers Comp policies--how much can we get back for your company?
Experience Modification Factor increase
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.
Change in Workers Comp Classification
threatening your business?
We Help Correct 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.
insurance premium charges?
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.
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.
"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
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.
"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.
s
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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.
"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.
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.
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.
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
"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 |
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