Quick offer for anyone here who owns or recently closed on a blue collar business (construction, field services, manufacturing, distribution, that kind of thing). Workers comp premiums are wrong way more often than people think, especially after an ownership change. Class codes get carried over from the old owner, office staff end up rated like field guys, the carrier's annual audit overstates payroll. When that happens you can usually claw money back for up to 3 policy years. I'm starting a recovery practice around this and honestly I need proof and case studies more than I need revenue right now. So for the first 3 people: I'll review your dec pages, your last premium audit from the carrier, and a payroll breakdown by role. If numbers look off I'll tell you what I think is recoverable and how the dispute works. You'd approve anything before it goes to the carrier. If you want, redact names and just send anonymized versions of everything, that works fine for the first pass. No upfront cost. I only get paid if you actually recover money, 20% of whatever comes back, and I'm capping my fee at $7,500 for these first 3. If everything checks out clean, you pay nothing and you at least know your comp is priced right. Rough fit: 15+ field employees or $75k+ annual premium. Below that there's usually not enough money in it to bother. you can reach me at redacted