• If you want to obtain refunds that are owed to you from past and current workers’ comp policies
• If you want to cut workers’ comp costs and lower your current and future premiums
• If you think the money is better off in your pocket than in the insurance company’s pocket
• If you would like to see the money returned to you in a short time

Why let the insurance companies profit from their mistakes? Statistically, the odds are very high that you are or have been overcharged without even knowing it, due to technical errors in the premium calculations and audits.

APEX's Premium Recovery Audit is a risk-free, no-hassle way to get your money back. We double-check your
records (against your insurance company’s filed rating plans, insurance statutes, and government requirements), as well as your experience modification factors to help employers identify and correct errors and overcharges made by insurance carriers and rating bureaus. We get employers refunds for current and prior policies, and thereby also reduce the cost of workers’ compensation insurance for future policies.

We can bring you all of these policy savings without changing your insurance broker or your insurance company as we do not sell insurance. We are compliance auditors not consultants. Many workers’ compensation consultants are not focused and tend to consult on a variety of different aspects of workers’ comp. As such, they do not have enough expertise, in any one area, to properly find all the money they could be getting back for you.

Our independent in-depth compliance audit makes us the nation’s leader when it comes to securing the most agreements to correct premium errors and overcharges.

If you are paying an annual premium of around $100,000 or more for a guaranteed cost or loss sensitive (Retro) insurance policy, we will conduct our compliance audit on a contingency-fee basis. You will not pay us unless we recover overcharges and bring down your costs.
“NO RECOVERY, NO FEE”

If you are a Contractor or PEO, you may not be taking advantage of the unique discounts and credits that affect your industry.

We will also review high-deductible policies on a contingency-fee basis for policies starting at $250,000.

We will also work on small deductibles on a case-by-case basis.