Three documents. Fifteen minutes. A written answer either way
Anchorreclaim is a recovery audit practice for mid-sized US employers and multi-site operators. We re-check workers’ compensation premiums and recurring vendor bills against the published rates, tariffs, and classification rules that govern what you were allowed to be charged — and we are paid only out of money that actually reaches your account.
- Contracting party
- LGA International GmbHTrading as Anchorreclaim. The same name is on the agreement you sign, on the copy you receive by email the moment you sign it, and on every invoice.
- Telephone
- +1 929 475 8496We work in writing, so that every finding leaves a record you can forward. Email reaches us fastest.
- info@anchorreclaim.comAnswered in writing within 48 business hours
Billing errors have a direction
When an insurer, a utility, a waste hauler, or a carrier miscalculates, the mistake almost never lands in your favor. It is applied automatically, it is renewed automatically, and it compounds quietly across every site and every billing period until somebody re-checks it against the rule it was supposed to follow.
Almost nobody re-checks it. The rates are published, the classification rules are published, the tariffs are filed — but reading them line by line against your own invoices is slow, unglamorous work that no operations team has time for and no vendor has an incentive to do.
That is the whole of our business. We do not sell software, we do not need access to your systems, and we do not ask you to change anything you are doing.
What the first step actually costs you
Three facts, typed into a form. That is enough for us to say whether a review is worth anyone’s time. Documents come afterwards, and only once the agreement is signed.
01The state your operations are in
Rating rules, filing deadlines, and how far back a correction can reach are all set at state level. This is the first thing that decides whether there is anything to look at.
02Your approximate annual premium or spend
Approximate is genuinely enough. We are establishing order of magnitude, not auditing you on the strength of a number you typed from memory.
03Who your carrier or vendor is
Different carriers make different mistakes, and some rate structures are far more prone to error than others. Knowing the counterparty tells us where to look first.
We do not need your employees’ names. Payroll totals by class code are enough.
A premium audit is arithmetic against published rules, not an inspection of your staff. Nothing we ask for identifies an individual person, which keeps your obligations under state data protection law out of this entirely — and it means an unsolicited request for personal data is never something you will receive from us.
Where we look
Workers’ compensation is where we start, because it is the area where the rules are most public and the errors are most correctable. The rest follow the same method.
- Workers’ compensation premiumsClassification codes, experience modifiers, payroll allocation — three documents to start
- Utility bill auditYour rate schedule is a choice, and it is rarely revisited. We re-check commercial electricity, gas, and water accounts against the tariff that actually governs them.
- Waste and recycling auditHauling agreements are dense and the invoices that follow them are denser. We compare what you contracted for against what you were billed.
- Telecom and internet auditTelecom billing survives on inertia. We reconcile what you are billed for against what actually exists.
- Merchant card fee auditThree statements are enough to establish what you actually pay per transaction and where the padding is.
- Commercial lease and CAM auditThe annual reconciliation statement most tenants pay without checking, compared clause by clause against the lease that governs it.
- Sales and use tax recoveryStates do not volunteer refunds. Overpayments have to be claimed, and the window closes permanently.
Workers’ compensation is where most engagements begin, but the method, the terms, and the written report are the same in every category.
What happens after you start
Five steps, in this order. The paperwork comes before the documents, not after — which is both what several states require and the only sequence a careful finance team should accept.
01You get a written reply, from the person doing the work
Within 48 business hours on any business day. Not a scheduling link, not a call request — an answer you can read and forward to whoever needs to see it.
02You read and sign the agreement before anything is sent
The authorization and confidentiality agreement is on this site in full. Read it, send it to your counsel, sign it here when you are satisfied. Only then does the upload open — several states require exactly that order, and it is the right one regardless.
03You upload the documents on this site
Over an encrypted connection, stored encrypted, visible only to the auditor assigned to your file. No email attachments, no third-party form we do not control.
04We read them and report back
Line by line, against the published rates and rules in force for your state and your policy period. You receive a written findings report showing each error, the rule it violates, and the amount — or a short written all-clear.
05We prepare and chase the claims
Corrections go through the carrier’s or vendor’s own process. We prepare the filings, follow them, and keep you posted in writing. You are not the one making the phone calls.
Fees, and what we do with your documents
Two questions any careful buyer asks before the interesting ones. The short answers are here; both have a page of their own, because neither deserves to be a footnote.
Start with the policy you already have
Workers’ compensation is the fastest place to find out whether any of this applies to you. Three documents you already hold, about fifteen minutes of your time, and a written answer in either direction.