The Stakes: A residential framing contractor was blindsided by an $80,612 bill from their insurance carrier. It was a crippling blow caused by a routine audit and a mid-year mod change. Their existing broker offered zero help, leaving the owner feeling abandoned and desperate.
The Investigation: A Master WorkComp Advisor stepped in to perform a full audit review. They dug into the employee classifications and found a critical error: an employee performing sales duties was being billed under the “Carpentry” code—the most expensive risk class on the policy.
The Breakthrough: The Advisor didn’t just ask for a correction; they coordinated with the carrier to dispute the entire audit. They successfully re-classified the employee, proving the carrier’s assumptions were wrong.
The Result: The bill was slashed, generating a $38,890 refund.