What we do
We consult with employers on their
Workers Compensation insurance costs, finding and
recovering premium overcharges in current
and past policies.
We help
employers determine correct classification
codes, help them reduce experience modification
factors, and resolve disputes over Workers Comp
premium audits.
We don't sell insurance.
We can
lower current premium charges, and
obtain refunds from prior policies,
without changing your insurance
agent or your insurance company.
And we often
help employers successfully resolve
disputes over Workers Compensation insurance
premiums, audits, classification codes, and
experience
modifiers.
How
We Do It
Advanced Insurance Management®
consultants double-check
the classifications, rates,
experience modification factors, payroll
audits, and other rating factors that insurance
companies use to calculate your Workers' Compensation
insurance premiums.
We identify and correct
these technical errors for clients,
producing lower current premiums and refunds for past years.
We don't deal
in theoretical corrections--AIM
makes sure you actually get the money back.
We recover overcharges and get
employers refunds from past and current Workers'
Compensation policies.
Insurance Auditors Who Work For the Employer
Most premium auditors work for the insurance companies. We
serve as independent premium
auditors
for employers,
identifying and correcting errors made by
insurance carriers and rating
bureaus that increase Workers' Compensation
insurance premiums.
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.
We also provide
expert witness services in
litigation over proper Workers Compensation
insurance premiums and audits. Our
consultants have been accepted as experts on Workers
Compensation insurance premiums in state and federal courts
across the U.S.
Who We Can Help
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 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.
We've been helping
employers do just that
since 1987,
making Advanced Insurance Management one of the
oldest and most experienced firms in the field
of premium recovery.
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