Workers Comp Audit Stress Reducer
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Do Not Ask Us To Do This In Any Workers Comp Situation


A No-Go Workers Comp Situation

This is a Workers Comp Situation J&L Risk Management Consultants tries to avoid as much as possible. We have received a few calls this year asking us to help prepare a company’s books for an upcoming Workers Comp audit. We will not ever and have never suggested or recommended cooking the books for a premium audit.

Graphic Of Gold Coins Workers Comp Situation And Card

The insurance company premium auditors of today are very adept at finding where payrolls (remuneration) have been paid. A premium auditor usually goes through all the payments that a company has made and will verify what type of vendor and payment was made to another individual or company. Subcontractors have become a hot issue in premium audits.

We have never suggested that a company try to cheat or mislead a carrier on their premiums. This is not our role in helping employers with workers comp premium audits. If after an audit you feel that your company was incorrectly overcharged a premium then that is the best time to contact us.

As you may have seen in various Workers Comp publications, a Workers Compensation Consultant out of South Carolina was charged and convicted of fraud for improperly reporting payrolls for companies. Companion Insurance Company had discovered the underreporting when an employee was severely injured.

If a Workers Comp consultant ever offers to help you misreport any numbers, then you should look elsewhere immediately. There is an old saying that has been around for many years. “You should pay what you owe, but not one cent more.”

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James J Moore - Workers Comp Expert

Raleigh, NC, United States

About The Author...

James founded a Workers’ Compensation consulting firm, J&L Risk Management Consultants, Inc. in 1996. J&L’s mission is to reduce our clients’ Workers Compensation premiums by using time-tested techniques. J&L’s claims, premium, reserve and Experience Mod reviews have saved employers over $9.8 million in earned premiums over the last three years. J&L has saved numerous companies from bankruptcy proceedings as a result of insurance overpayments.

James has over 27 years of experience in insurance claims, audit, and underwriting, specializing in Workers’ Compensation. He has supervised, and managed the administration of Workers’ Compensation claims, and underwriting in over 45 states. His professional experience includes being the Director of Risk Management for the North Carolina School Boards Association. He created a very successful Workers’ Compensation Injury Rehabilitation Unit for school personnel.

James’s educational background, which centered on computer technology, culminated in earning a Masters of Business Administration (MBA); an Associate in Claims designation (AIC); and an Associate in Risk Management designation (ARM). He is a Chartered Financial Consultant (ChFC) and a licensed financial advisor. The NC Department of Insurance has certified him as an insurance instructor. He also possesses a Bachelors’ Degree in Actuarial Science.

LexisNexis has twice recognized his blog as one of the Top 25 Blogs on Workers’ Compensation. J&L has been listed in AM Best’s Preferred Providers Directory for Insurance Experts – Workers Compensation for over eight years. He recently won the prestigious Baucom Shine Lifetime Achievement Award for his volunteer contributions to the area of risk management and safety. James was recently named as an instructor for the prestigious Insurance Academy.

James is on the Board of Directors and Treasurer of the North Carolina Mid-State Safety Council. He has published two manuals on Workers’ Compensation and three different claims processing manuals. He has also written and has been quoted in numerous articles on reducing Workers’ Compensation costs for public and private employers. James publishes a weekly newsletter with 7,000 readers.

He currently possess press credentials and am invited to various national Workers Compensation conferences as a reporter.

James’s articles or interviews on Workers’ Compensation have appeared in the following publications or websites:

  • Risk and Insurance Management Society (RIMS)
  • Entrepreneur Magazine
  • Bloomberg Business News
  • WorkCompCentral.com
  • Claims Magazine
  • Risk & Insurance Magazine
  • Insurance Journal
  • Workers Compensation.com
  • LinkedIn, Twitter, Facebook and other social media sites
  • Various trade publications


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