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Take advantage of our Claims Audit Verification program. This program may allow you to receive up to 25% commission! Claim administrators, insured, their accountants, brokers, agent, consultants, risk managers and claims managers, third party administrators and insurance carriers have dealt with the issue of reserving practices and the costs associated with the reserves. The reserve provides a charge that is hopefully representative of a reasonably accurate final cost. Losses paid are a variable factor that bears directly on the claims practice of the adjuster. Benefits of Claim Audit Verification: Demonstrate an improved loss history & facilitates underwriting history. Produce higher dividends & lower retrospective rated premiums. Results in lower earned premium audit bills. Produces underwriting profits. Verify Claim Files Handled, Adjusted and Maintained by: Commercial Insurance Carriers Independent Third Party Administrators Group Trusts State Insurance Funds Safety Groups Captive TPA’s In-House Administration of Self-Insurers Claims Audit Verification Management reduces the cost of: Large Deductible plans (Self-Insured Plans) Retrospective rated Plans Scheduled Dividend Plans Retention Plans Cost-Plus Plans Average claim is open 208 weeks. Verification Reviews for: Insured Brokers Agents Consultants Accountants Attourneys Benchmark Reviews for Carriers/TPA’s Additional Verification Applications : Premium Adjustment Reviews Dividend Statements Litigation Support Due Diligence for Merger/Acquisitions Claims Audit Verification Contact us today for more information.

Mercator Risk Services, offered through Preferred Concepts ...ith prior claims?Yes. Mercator Risk Services will consider hard-to-place and d...

...ffers dependent and claims audit services to organizations of any size. We spe...ild support •Military services

For nearly 20 years, agents, insurance carriers, and payroll providers across the country have trusted Reliable Premium Management to streamline “Pay-As-You-Go” workers compensation solutions. Our Audit Reviews program is specifically designed to help insurance agents and CPAs support their clients with accurate, efficient, and affordable post-policy audits. We’ve successfully completed thousands of audit reviews, providing peace of mind for insureds while reducing the administrative burden for agents. Take the Headache Out of Workers Compensation Audit Reviews Workers compensation audits can be time-consuming and confusing. Our dedicated audit specialists handle every detail, ensuring your clients’ audits are accurate and compliant. Common audit pain points we address include: • Class Code Assignments • Policy Effective Dates • Anniversary Rating Dates • Experience Mod Modifiers • Overtime Premium Calculations • Exemption Status and Verification • New Business Locations • Reimbursements and Adjustments • Tip Exclusions • And more Ideal Use Cases for Agents and CPAs Most audit firms focus only on large accounts and charge high percentages of recovered funds, leaving small to mid-sized businesses underserved. That’s where Reliable Premium Management steps in. Our audit-only service is perfect for: Agents managing small to mid-sized commercial clients CPA firms looking to assist clients with workers comp audits Accounts facing unexpected audit balances or disputes Businesses needing help understanding or resolving audit findings Example: You might have a client with multiple job classifications and fluctuating payroll due to seasonal labor. Our team can review their audit to ensure class codes and payroll allocations were applied correctly—potentially uncovering errors or overcharges. Audit Review Benefits • Hands-Free Process – We manage the audit from start to finish • Refunds are paid directly to your clients • Coordination with most carriers for balance collections or payments • Clear, easy-to-understand audit balance explanations • Full audit dispute support with backup documentation when needed Affordable Pricing for Agents and Clients Unlike most audit firms, we charge a flat hourly rate of $40—with most audits completed in under 2 hours. This simple, transparent pricing model delivers exceptional value for small and mid-sized clients. Available Nationwide The Audit Reviews program is available in all 50 states and Washington, DC. Whether your client is based in California, Florida, Texas, New York, or anywhere in between, we can assist. Why Work With Reliable Premium Management? We specialize in workers compensation payment and audit solutions. With decades of experience and a service model built for agents, CPAs, and payroll providers, Reliable Premium Management focuses on delivering accurate, fast, and affordable audit reviews. Our team understands the value of your client relationships and works behind the scenes to support your success. Connect with us today to simplify your clients’ workers compensation audit process and deliver results they’ll appreciate. Frequently Asked Questions What types of accounts are a good fit for this Audit Reviews program?Small to mid-sized businesses across a range of industries, especially those with fluctuating payroll, multiple class codes, or prior audit disputes, are ideal candidates. How long does it take to complete an audit review?Most audits are completed in under 2 hours, depending on the complexity of the account and the documentation provided. Do you work directly with carriers to resolve audit balances?Yes, we have collection and payment arrangements with most carriers, allowing us to assist with balances owed or refunds due. Can you help dispute an incorrect audit finding?Absolutely. If we identify a discrepancy, we provide full audit dispute support, including backup documentation for your client’s case. Is this program available in all states?Yes, our Audit Reviews service is available in all 50 states and Washington, DC. Need help placing an account? Connect with a market specialist.

...Regional Trucking & Delivery Services Multi-Location Restaurant & ...viders (HVAC, Landscaping, Cleaning Services) Franchises & Chain Retai...

Reclaim Solutions for Clients with Rough Loss History Insurance agents—placing Workers’ Compensation for businesses with poor loss history doesn’t have to be a dead end. Worksperity offers powerful access to specialty WC markets designed to help agents secure coverage for even the most complicated loss histories. Industries Struggling with Loss History Construction and Remodeling Firms Trucking & Logistics Operators Industrial Manufacturing Plants Food Processing & Packaging Facilities Service Providers like Janitorial or Landscaping Companies What Makes These Accounts Hard to Place Elevated claim frequency and high-severity incidents Long loss runs with repeat, complex claims Experience Modifier Rates (EMRs) over industry average Standard markets outright declining or charging punitive rates Why Agents Turn to Worksperity Proprietary access to markets open to adverse loss runs Structured proposals showcasing risk reduction efforts Loss control consults and safety integration in underwriting Transparent pricing and renewal strategies Ideal Risks to Present Companies with 3+ years of documented loss history Industries with clear safety improvement efforts underway Businesses able to present partial loss prevention documentation Operations undergoing mod improvement strategies Placement Tips for Agents Present thorough loss run documentation—don’t gloss over negative items. Emphasize any implemented safety upgrades, audits, or loss control initiatives. Preemptively address mod concerns with actual improvement plans. Showcase safety training, OSHA compliance, or ergonomic interventions.

PROGRAM OVERVIEW A Workers’ Compensation program built for tough industries. Payroll Opt-Out is a unique premium only master policy workers comp solutions for businesses in tough industries and with substantial premium (100k+). Like a standard market program, the risk processes its own payroll and pays payroll taxes under its own tax ID numbers. The Employer gets Workers’ Compensation coverage through the Payroll Opt-Out’s master policy. This program is the next best thing to standard market coverage and in some cases even better. Welcoming expansion and growth This program is excellent for expanding businesses as new class codes and New Coverage states can be added seamlessly. Premium is Pay-As-You-Go allowing clients to pay for coverage based on actual payroll amounts during that pay period. This payment process allows for better cash flow throughout the year opposed to a lump sum payment. Key Points and benefits Coverage through A Rated master policy Clients Payroll and Tax functions remain as they are today. No year-end audits. Client E-MOD is not used in pricing for Payroll Opt-Out programs. Pay As You Go payment structure. Industries that excel. Payroll Opt-Out is a solution tailored to all tough industries including but not limited to: Staffing Agriculture Manufacturing Landscaping Construction Medical Transportation Hospitality Large Contractors Waste Management Repossession Mining Why payroll Opt-Out works so well in distressed industries. From pricing to process Payroll Opt-Out was designed to fit the needs of tough & distressed clients. E-MOD not being used in pricing allows businesses with large loss history to see great savings on overall pricing. Pay-As-You-Go payment structure allows for cash flow relief and management. Billing is done through after the fact payroll reports to ensure clients are billed for the correct class codes and payroll amounts. Bottom Line - The client gets cost effective workers’ compensation coverage through providers and carriers that understand their industry while not affecting clients everyday HR, Payroll and Tax functions.