Real Results. Real Refunds.

The Stakes: A building material dealer with $30M in revenue was hit with a shock: their Experience Mod was spiking from 0.79 to 1.13. That meant a massive premium increase was coming, and they didn't know why. The Investigation: Most...

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...

The Stakes: A landscape contractor with 120 employees had just been acquired. The new owners expected some transition costs, but they didn't expect their Workers' Comp Experience Mod to inexplicably spike, driving premiums through the roof right after the purchase....

The Stakes: A small, multi-state satellite installation company opened their mail to find a nightmare: a $499,916 audit bill. The auditor had reclassified their network of independent installers as full-time employees. For a company of their size, this bill wasn't...

The Stakes: An office furniture manufacturer with $32M in revenue watched their Experience Mod creep up year after year, hitting 1.22. Their incumbent agent told them it was just "market trends" and "bad luck" with claims. The Investigation: The Advisor...

The Stakes: A private practice of 30 speech pathologists was paying premiums that seemed astronomical for a "low risk" medical office. The system had lumped them into a generic, high-risk medical classification code. The Investigation: Classification codes are rigid, but...

The Stakes: An outdoor sign company with under 10 employees was paying an unusually high premium given their revenue. The incumbent broker had simply assigned the "Sign Installation" code to the entire policy—a common default for the industry. The Investigation:...

The Stakes: A grading contractor with 42 employees prided themselves on loyalty. They had been with the same broker for 21 years. But trust can sometimes lead to complacency. They assumed their broker was checking the math every year. The...

The Stakes: A school for special-needs children was in crisis. With a 1.88 Mod and a staggering 300% loss ratio, their carrier of 45 years dropped them. They were effectively uninsurable because they were paying out three times more in...

The Stakes: A commercial glass company with 40 employees was growing fast, but their premiums were growing faster. Their direct-writer agent (who worked for one specific carrier) insisted that their classification codes were correct. The Investigation: An Independent Advisor brought...