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Demolition company knocks down $36,000 on its annual premium

The insured is a demolition company specializing in interior non-structural demolition. It employs 100 workers.

The company, which performed work in three states—Maryland, Virginia and the District of Columbia—was given a premium that appeared to the client to be higher than usual.

Certified WorkComp Advisors (CWCAs), upon reviewing all documents provided by the state’s Injured Workers Insurance Fund (IWIF), determined that although the company had separate payroll premiums in three states, Maryland was charging a premium for all the company’s workers, regardless of where they worked. This led to unnecessary overcharges of $36,000.

The CWCAs collected all payroll and supporting documentation from each state, including copies of each state’s policies and job records from each project. After careful review, they appealed to the audit department of the Injured Workers Insurance Fund. The findings were revised in favor of the client.


As a result of the work by the CWCAs, the company saw a $36,000 reduction in its annual premiums.