Workers Compensation

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Our service will identify and recover Worker’s Comp insurance overcharges.

We uncover potential errors and overcharges associated with experience modifications, class codes, and payroll audits. Inadvertent mistakes within original policies can be repeated in future policies if they continue to be overlooked.

We work diligently to identify and recover overcharges linked to your previous Worker’s Compensation policies so that you can save money on your present and future policies.

Some companies may not realize that they have been overcharged until an independent review is conducted. Overcharges are likely a result of the constant changes within the industry. In addition to modifications of the Rating Bureau (NCCI) rules and regulations, variances also occur in the application of incorrect rates, discounts, classifications, experience modification calculations, and audits.

We offer a FREE REVIEW of your last 7 years of Worker's Compensation insurance policies. Our service provides you with a RISK FREE qualified second opinion from an experienced professional auditor who has the expertise to identify errors or missed discounts which may have caused you to overpay.

WE DO NOT SELL INSURANCE...

nor do we want to replace your agent or broker!

Benefits for your business:

You will recover money that you have inadvertently overpaid throughtout the last seven policy years
You will ensure that you are NOT OVER-PAYING and your insurance carrier is applying every possible discount and deduction to reduce your premiums
You have the opportunity to save a significant amount of money over the life of your business.

It’s completely risk-free! Either you recover money that you have overpaid, or you receive the peace of mind of knowing that you are NOT OVERPAYING and your insurance carrier is doing the best possible job for you. You can’t lose.

Why Business & Property Solutions?

You need the perspective of an unbiased, independent review:

Over seven hundred (700) different business classifications—rarely challenged.
Discounts promised in proposals not applied on audit statements.
Mistakes made by people who input or touch your policy prior to the premium being set and billed.
Cost saving rating plans not divulged by insurance companies.
We know where/how to obtain premium information not disclosed to policyholders.

Why Now?

The question really is....why not now? Most of our clients were unaware that they had been overcharged in the past, and did not know that there was a problem. If you qualify for this service, you can't afford not to do it now.

Signs that you may be entitled to a refund:

The insurance company has changed your basic classification
Your experience modification has been increased during the policy period
Changes were made for uninsured subcontractors or owner-operators.
Various credits or discounts are missing from your policy
You received a large additional or return premium
Your state implemented a rate change.
You have never reviewed the Worker’s Compensation Basic Manual for new codes.
Credits that were on last year’s policy have been removed from your current policy.
Your policy does not use at least 4 classifications
You are a contractor involved in several types of work
The audit was conducted on a quarterly basis using the 941’s or State Unemployment returns.

How We Are Paid?

Business & Property Solutions is a results oriented company and our method of payment is a contingency fee. Our client must receive a refund or credit before we earn our share. There is never a risk. If we don’t recover money for you, it won't cost you a penny.

Fill out the What do I qualify for questionaire to see if you qualify for this service.

BUSINESS & PROPERTY SOLUTIONS,INC.

P.O. Box 16061 High Point, NC 27261

Phone: (336)803-0005 Fax: (336)883-9526

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