The Stakes: A local towing company was hit with a surprise bill for $46,000 after an audit. They paid the first $26,000 in a panic but were now being chased for the remaining $20,000. The carrier threatened to cancel them if they didn’t pay.
The Investigation: The Advisor reviewed the audit and spotted a violation. The carrier had changed a classification code in the last 90 days of the policy—something Rating Bureau rules explicitly forbid. The carrier ignored the Advisor’s initial protests and demanded payment.
The Breakthrough: The Advisor didn’t give up. He escalated the case to NCCI, using the specific towing risk classification program he had helped develop. He proved the carrier broke the rules.
The Result: After 10 months of fighting, NCCI ruled in the client’s favor. The additional premium was slashed to just $5,000. The client didn’t have to pay the remaining $20,000 and received a $21,000 refund for what they had already overpaid.