Work Comp Insurance Secret

by IST

SECRET – Why Businesses Overpay for Work Comp Insurance….

Workers Compensation Insurance MN

Top secret work comp insurance info brown folder #3

You control if your audit is error free, overcharge free and 100% correct

Because your real insurance cost is determined after your policy expires, it’s essential the audit is correct.

You’re at a disadvantage from the start. The insurance company auditor knows the rules, you don’t.

The law does not compel the auditor to explain the rules, especially if applying a rule would cause you to pay a lower premium.



Here’s how the Work comp insurance auditor works against you:


• Your entire payroll is put into the highest classification

• The “Standard class exceptions” are put into the correct cost classification. When someone is not properly moved to the lower cost classification, you pay at the highest rate

Misclassifications are common and the system is designed for you to pay for all mistakes. There are many other errors or omissions that are made in addition to misclassifications.

Would you allow an IRS agent to conduct an audit without an expert at your side?

Of course not. Then, why allow an insurance company auditor to conduct an audit without an expert at your side? A workers’ comp audit may actually cost you more money than an IRS audit. A Workers’ Comp audit is every year. You may go years without an IRS audit.

Don’t go into an audit unprepared.  Auditors don’t have an abundance of time and they won’t take take the time to find ways to save you money or worry if you are overpaying.

Who pays the highest work comp insurance in your industry?  Is it your business?

Did you know it’s possible to get a refund for overpayments?  Of course, if you didn’t know you were overpaying there won’t be any refunds.

What not to do…Shopping for the best quote isn’t the solution – which is what most businesses do by default- rather shopping for the best agent, one knowledgeable in work comp – is the to do solution.

It’s estimated over 55% of businesses overpay for their work comp insurance.  Would you like to know why and if you’re business one of them?

Contact IST and ask to speak with a certified work comp specialist. 763.244.3735 or

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Work Comp Insurance MN

What to and Not to Do when it comes to Work Comp Insurance


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