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Best Workers Comp Policy and Audit Review Tool


Best Workers Comp Policy And Audit Tool Inexpensive

One of the best Workers Comp policy and audit review tools is not some type of overly expensive software or app.    The use of a highlighter and a print out of your complete Workers Comp policy will work wonders for examining your current Workers policy and subsequent premium audit.

Picture Of Hand Giving Policies Files Best Workers Comp Policy On Other Hand
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If the access to your policy is online, then you can use the highlight button on your PDF or Word file.

I always recommend reading the whole policy as you will be surprised what is in there.    Making the effort to examine your policy is a great way to begin cutting your Workers Comp costs.

You can always just review the Dec Page (Declarations Page).   However, the Dec Page may only cover approximately 20% of your policy at the most.

When reviewing your policy, highlight anything you do not understand or any confusing clauses.   These will need to be covered with your agent or consultant BEFORE you sign off on the policy or agree to finalize any premium audit results.    This is no way means there may be something wrong with your policy or audit.

However, if you are going to sign off what you will have to live with for the next year, it may be in your best interest to bring up questions and concerns as soon as possible.   Waiting until after the policy audit results are mailed to your company is not necessarily too late.   The longer you wait, the more difficult it becomes to review any questions that you may have had in the past.

Picture Of Hand Gesture Best Workers Comp Policy With Audit Concept

When our clients contact us about performing a review of their premium audits, we often hear that there were questions when the policy was quoted or issued.   Your agent should be and usually will be happy to answer any of your questions.   That is part of his/her/their services to earn their commissions they charge for quoting and binding your policy.

The longer an employer waits to question anything on a policy oar premium audit, the more leverage is lost if there is a dispute.   If you are reading this and have questions or either your WC policies or premium audits, there are tens if not hundreds of answers in this blog.

The bottom line is the best the best workers comp policy and audit and review tool is the attention that you or your staff is giving to your insurance program by just paying attention to what is occurring in your policies and audits.

If you still have questions, feel free to drop us a note on our contact page or at [email protected].

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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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