At Wilson Insurance, we pride ourselves on being true advocates for our clients. When a long-time construction client came to us with a staggering $27,000 workers’ compensation audit bill, we knew something wasn’t right—and we fought to make it right.
The Problem: Misclassified Workers, Skyrocketing Costs
Our client, a well-established construction company, was blindsided by an adverse workers’ compensation audit. A third-party auditor had incorrectly classified their outside sales representative and executive supervisor under the higher-rated carpentry class code. The consequences? A massive audit bill and a renewal premium that had more than doubled.
Despite providing detailed job descriptions, certificates of insurance, and precise accounting records, the auditor refused to correct their classification. Frustrated but undeterred, our team took action.
Our Solution: Persistence and Expertise
We knew the audit results didn’t align with industry standards. To build our case:
- We coordinated with the National Council on Compensation Insurance (NCCI) to confirm that our class codes were correct and properly applied.
- We carefully reviewed the audit process to ensure compliance with classification rules and phraseologies.
- We presented a compelling appeal to the carrier, demonstrating that their external auditor’s conclusions were incorrect.
The Outcome: A Major Victory for Our Client
Our persistence paid off. The carrier reviewed our appeal and agreed to override the auditor’s decision. The final audit adjustment significantly reduced the insured’s bill, saving them tens of thousands of dollars and preventing an unfair premium increase.
Why This Matters to You
Workers’ compensation audits can be complicated, and errors can cost your business thousands of dollars. If you’re not working with an insurance agency that actively reviews, challenges, and advocates on your behalf, you could be overpaying without even realizing it.
At Wilson Insurance, we don’t just sell policies—we protect your bottom line. Whether it’s ensuring proper classification, disputing audit errors, or navigating complex appeals, we fight for our clients every step of the way.
Don’t Overpay on Your Workers’ Comp—Call Us Today
If you’ve had a surprise audit bill or suspect misclassification in your workers’ compensation policy, don’t wait. Contact us today to review your coverage and ensure you’re only paying what’s fair.
Call 480-964-2400 or email Justin Chappell at [email protected] today!
