Solving The Puzzle of High Workers Comp Costs


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Consultants On Workers Compensation Premiums, Audits, Classification Codes, Experience Modifiers


Advanced Insurance Management helps employers reduce Workers Compensation insurance premium audits, classifications and experience modifiers, double checking technical issues that directly affect the premium charges made by insurance companies.

       We find and recover overcharges in past & current Workers Compensation insurance premiums paid by employers.

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Shocked by your latest Workers Comp Premium Audit? We may be able to help.

We review Workers Comp 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.

Experience Modification Factor increase shutting your company out of work? We help employers lower experience mods.

The new experience rating formula is hurting many employers, and a mod over 1.00 can shut you out of important projects. A.I.M. lowers mods for clients by finding and correcting hidden calculation errors.

Change in WC Classification threatening your business? We help employers successfully appeal classification code changes by insurers or NCCI.

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

In litigation over Workers Compensation insurance premium charges? 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 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.

Contact Us

"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 Don't Sell Insurance

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.


More About Us


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.






"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




Premium Auditors Who Work For The Policyholder

Now, in our experience, these people are dedicated and ethical professionals. But their training and management tend to be understandably focused on keeping their customers happy. Their customers are insurance companies. So their focus tends to be on catching instances where undercharges may be happening, and not so much on figuring out how things may have gone wrong in ways that increase premiums.


"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



Such errors and overcharges 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.



How We Can Help You

Over the years, we figure we've produced around $25,000,000--twenty-five million dollars--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.


"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.


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