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Workers' Comp Audit
Audit claims, challenge redundant reserves, and pursue X-Mod reduction through a documented actuarial SOP.
Audit overview
Enter the facts, then review the report.
Savings ranges reflect historical audit patterns and are not guarantees for any specific book of business.
Stop overpaying workers' comp premiums
Audit claims, challenge redundant reserves, and pursue X-Mod reduction through a documented actuarial SOP.
The X-Mod multiplier effect
Your Experience Modification Factor is a direct multiplier on premium. A single mismanaged claim can inflate this number for three years. Comparison below uses a standard rate of $100,000 before modification.
An X-Mod of 1.25 means a 25% penalty on every dollar of payroll-covered premium.
The audit SOP
A systematic approach to identifying errors, challenging reserves, and enforcing compliance.
Collect Loss Runs, USR filings, and policy documents.
Compare reserves against medical prognosis and statutes.
Formally dispute exaggerated reserves and negotiate reductions.
Confirm X-Mod reduction and receive premium credit.
Ready to reduce your workers' comp spend?
Let our actuaries review your loss runs and uncover hidden capital in your reserves. Historical audit patterns show 20–40% savings — not a guarantee for any specific book of business.
Workers' Comp Actuarial Audit — Average 20-40% reserve reduction, 1 in 3 claims contain errors, 90-day ROI. X-Mod premium examples from $75k (0.75) to $150k (1.50) on a $100k base rate.Results actions
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When one answer is not enough
See the whole compliance picture.
The HR Risk Score reviews safety, wages, benefits, documentation, and PAGA exposure together, then gives you a prioritized view of what needs attention.