Workers Comp Audit Stress Reducer
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Premium Audit Bills For Workers Comp – Calls and Emails Daily


WC Premium Audit Bills Always Generate Calls and Emails

The workers comp premium audit bills cause us to receive calls and emails on a daily basis.

Graphic Of Calculator Premium Audit Bills And Phone

We are always glad to hear from former and potential clients for our Workers Comp services.

The most popular post and the #1 subject on the calls and emails is when an employer receives a sizable Workers Compensation premium bill they were not expecting.

I have posted on this often. I will still post on the subject as long as we receive inquiries on this controversial subject. Here is your game plan on how to deal with the bills.

  • Do not panic as bringing emotions into a business situation will end up costing your company in the long run.
  • Do not just send a check if you do not feel you owe it. Once you pay a Workers Comp premium bill, you are going to lose 90% of your leverage.
  • Do not ignore the premium bill. That may cause your current Workers Comp policy to be cancelled.
  • There will usually be an explanation of the premium audit bill sent with the bill or just before it arrives. Look this information over carefully.
  • You can call the auditor to discuss the bill. Make sure you have your “ducks in a row” before making the call. Winging it may cost your company even more $.
  • Cluttered Premium Audit Bills on table
    Wikimedia Commons – Jericho

    Always make sure that you put everything in writing. Insurance carriers usually have huge offices and you need a paper trail to show that you complied with the rules

  • Do not call or write a dispute just to delay the bill. That never works and can ruin the business relationship that your company, agent, and carrier have in place.
  • Make sure you have valid points to dispute. The premium audit bill being too much is not a valid point.
  • If your business grew quickly, then your company may owe more Workers Comp premium due to an increase in payroll. Never assume this is the reason for the increased premium.
  • Never threaten to take all of this to the Insurance Commissioner as a complaint unless you have exhausted all other means.
  • If you are in over your head, then consult with an expert company on Worker Comp premiums and reserves -yes, that would be “J&L”

The bottom line is your gut reaction to the bill. We have found that the best indicator of possible premium overcharges is that if you feel that something is amiss.

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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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