How AIM Helps Employers Reduce Workers Comp Costs


Since 1987, Advanced Insurance Management has helped employers reduce the cost of Workers Compensation insurance by finding and correcting mistakes made by insurers and rating bureaus regarding classifications, experience modifiers, and payroll audits.


We help employers reduce premium charges on current policies; we also recover refunds for employers by retroactively fixing errors in past policies.

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We don't sell insurance--we're not agents or brokers.  We're specialized consultants with expertise in the rules and regulations that control how Workers Compensation premiums are calculated.


Advanced Insurance Management LLC provides independent professional assistance to businesses on proper Workers' Compensation insurance premiums.

Our consultants have years of experience and specialized training. 


We review the classification codes used to compute your premium charges, to make sure they are correct for the actual work being performed.


"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."


We also check experience modification factor calculations to find and correct any errors that make your mod higher than it should be.


"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 check over past years' audit billing statements to find recoverable overcharges from those past policies because of errors in payroll determination or other technical factors.


"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 Services


In short, we get money back for employers by finding and correcting overcharges in Workers Comp insurance premiums.


We're familiar and knowledgeable with the differing rules and regulations in different states that affect how Workers Compensation insurance premiums are supposed to be calculated. 

Insurance agents are typically not trained in the rules of premium auditing, nor with how important regulations can vary from one state to another. 

And insurance company employees are typically focused on correcting mistakes in order to raise premiums, with much less training and motivation to lower premiums for employers.

Needed Documents


What's Involved

The Advanced Insurance Management® review does not require a lot of effort on your part.  We minimize the involvement of you and your people.  We need copies of your insurance policies and audits, experience mod worksheets, and a few other documents.  Take a look at the checklist of what we need.

AIM has been retained by a wide variety of clients--manufacturers, contractors, transportation companies, staffing companies, hospitals--even an NFL team-- to provide expertise regarding Workers' Compensation insurance cost and coverage.


We've helped employers of all types and all sizes – from small 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.

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

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

BBB® - Start With Trust - In Chicago and Northern Illinois
  • Advanced Insurance Management LLC
  • 3230 South Harlem Avenue,  Suite 203
  • Riverside, IL 60546
  • contact us:phone: 800-288-9256