401-479-0215 Learn More

80% of truck businesses we review are owed workers' comp money.

Used Truck Association member

80%of businesses reviewed get money back

7 yrsof premiums, audits and claims reviewed

25+years recovering workers' comp overpayments

$0owed if nothing is recovered

The problem

Premiums go up. Nobody can tell you why.

Errors by insurance companies and rating bureaus inflate premiums for years, and you are left trusting that someone else got it right.

Why it happens

Your premium passes through four hands. You control none of them.

A truck business has more job classifications than almost any company its size: office, sales, parts, mechanics, techs, yard, drivers. Each one is a chance for an error.

Technician working under a semi tractor in a truck service bay

Payroll auditRecords your payroll by class code

Insurance companyApplies the rates

Rating bureauNCCI or your state bureau sets your experience mod

State filingLocks it in for three years

One client had a safety department, a risk department, HR, controllers and one of the largest brokers in the world. We still found overpayments.

These errors are not a reflection of your people or your broker. They come from a multi-party system of data collection that is beyond your control.

Results

This is not theory.

Trucking company$269,000Skeptical at first. Then the check arrived.

Auto dealer$250,000Overpaid a quarter of a million dollars.

Moving & storage$360,000A significant difference to the bottom line.

Trucking company$130,000Records corrected going forward.

Recovered premium is paid by the carrier directly to the client.

Learn More

Driveaway driver climbing into a semi tractor at a dealership

Reviewing workers comp premium paperwork

How it works

We do the heavy lifting.

We gather the records.

One short meeting with your finance contact. You sign a few forms. Done.

We find and prove the overcharges.

Each number is traced to its source and taken to the carrier and the rating bureau with documentation and precedent.

The money comes back to you.

The carrier pays your company directly. Records are corrected so it stops happening.

If nothing is recovered, you owe nothing.

See what your company may be owed.

Brian LawlorBeyond Insurance Agency, Warwick RI
35+ years commercial insurance · UTA membership committee

This is for you if

You sell, service, repair or move commercial trucks
You pay $50,000 or more a year in workers' comp
You have staff in more than one job class

Brian or his team replies within one business day.

Questions truck owners ask

How far back can you go?

Up to seven years of premiums, depending on your state.

How big does my company need to be?

This works best for companies paying $50,000 or more a year in workers' comp premiums.

What do I have to do?

Sign a few authorization forms and share past audits, claims and payroll records. The team does the rest.

How long does it take?

Most reviews produce findings within six to nine months. Some clients receive returns every year.

Does anyone handle my money?

No. The insurance carrier pays recovered premium directly to your company.

Does this replace my agent?

No. Your agent and your policy stay exactly where they are. This is a review of past premiums, audits and claims.

What if you find nothing?

Then you owe nothing, and you know a specialist confirmed you haven't been overcharged.

Learn More