Questions we are asked

Before you send anything

The first four are the ones a careful person asks about an unfamiliar firm that got in touch first. They deserve straight answers.

1. 01How do I know you are a real company

   Every claim we make about ourselves is checkable without contacting us. The contracting party is named in the footer of every page, and the same name is on the agreement you sign, on the countersigned copy you receive by email the moment you sign it, and on every invoice. Every signed agreement carries a verification code that can be checked on this site. The telephone number is published. The email address is on our own domain rather than a free mail provider. If any of those does not line up, do not send us anything.

2. 02Why did you contact me if I never asked you to

   Because this is not a service anyone searches for. Almost nobody wakes up wondering whether their workers’ compensation classification codes are right. We write to businesses that are likely to have the problem, and we accept that an unsolicited message has to earn its credibility rather than assume it — which is why this site exists in the form it does.

3. 03Are you going to ask me for employee data

   No, and this is worth being precise about because it is the exact shape of a common fraud. We do not want employee names, Social Security numbers, dates of birth, or home addresses. A premium review runs on payroll totals by classification code. If a message appearing to come from us asks for personal data or for an urgent payment, it is not from us.

4. 04Why will you not just get on a call

   Because a finding delivered on a call is a claim, and the same finding in writing with the rule quoted and the page cited is something you can check. We would rather be checked than believed. It also means you can forward anything we send to your broker, your accountant, or your attorney without us in the room.

The work itself

1. 09How far back can a correction go

   It depends on the state and on which policy periods are still open under its rating rules. That is one of the first things we check, and we will tell you plainly if the answer is that the window has closed. In sales and use tax the answer is set by statute and is unusually clear: four years in Texas, three in California, New York, and Florida.

2. 10Do you work in my state

   Several states license fee-based review of insurance policies, and we do not hold those licences. So we do not take workers’ compensation premium reviews in Connecticut, Indiana, Louisiana, New York, Oregon, and Virginia — the form will tell you rather than let you sign. That restriction is about insurance specifically: utility, waste, telecom, card fee, lease and CAM, and sales and use tax reviews are unaffected everywhere. Where the rules are less clear, we confirm in writing before the work starts, and if we cannot act we say so instead of working around it.

3. 11Is the agreement in force the moment I sign it

   Yes. Our acceptance is given in advance and recorded on the copy you receive: it carries our countersignature, the date and time, and a verification code. The one exception is written into the agreement itself — if we find within two business days that we cannot carry out the review, for instance because it is not available in your state, we tell you in writing, the agreement ends, nothing is owed, and any documents you sent are deleted.

4. 12What happens after I send the three facts

   You get a written reply within 48 business hours from the person who would do the work. The authorization and confidentiality agreement is on this site in full, so you can read it, sign it, and upload in one sitting if you prefer — nothing is uploaded until it is signed.

5. 13Who actually reads my documents

   The auditor assigned to your file. The analysis is not subcontracted, not sent offshore, and not passed to a partner firm. The confidentiality page sets out how the documents are stored and for how long.