Governing classification
The correct governing class code is determined from the employer's business description, payroll records, and job duties — not assumed from the carrier's audit.
The most rigorous premium-recovery pack an employer can use.
Workers' Comp Premium Recovery Engine assembles a documentation-complete recovery pack — every payroll allocation, class-code determination, experience-mod recomputation, and bureau dispute filing — checked against the applicable rating manual and NCCI dispute procedures before a specialist releases it.
Every applicable NCCI manual ruleFive statutory notice elements, gate-checkedDHSMV · USCG · UCC · judgment lien searchesSpecialist release on every pack5-business-day SLA
Why audits fail
A single misapplied class code can cost tens of thousands.
Workers' compensation premium is computed from three inputs: payroll allocated to classification codes, manual rates, and an experience modification factor. Each input is error-prone, and errors compound. Payroll dumped into a single high-rate code, a clerical worker rated as a laborer, a closed claim still carried at its original reserve — all inflate premium.
Because the carrier both performs the audit and benefits from a higher number, errors overwhelmingly run in the carrier's favor and persist across renewals. The mod, once wrong, multiplies the entire premium for the policy term and seeds the next year's calculation.
Workers' Comp Premium Recovery Engine exists to close that gap with a single, exhaustive standard applied identically to every file.
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premium inputs can be wrong, and each error compounds
The benchmark
Measured against the published rating manual — rule by rule.
We do not summarize the manual and hope. Every pack is scored against a versioned rule pack tied to the exact text of the applicable NCCI or independent bureau manual. These are the provisions each pack is held to.
Experience mod recomputation
The mod is recomputed from unit-statistical data, loss runs, and payroll — verifying each claim's inclusion, reserve accuracy, and split-point allocation.
Payroll allocation
Payroll is allocated to the correct class codes per the manual's rules, including overtime caps, executive exclusions, and multiple-class procedures.
Rate application
Manual rates are verified against the current bureau filing; any deviation (schedule rating, premium discount, retrospective rating) is checked for correct application.
Formal dispute filing
The dispute is filed with the rating bureau or carrier per published procedures, including unit-stat report corrections and classification inspection requests.
Unit-stat data integrity
Unit-statistical reports are reconciled to loss runs and payroll; duplicate or misassigned claims are identified and flagged for correction.
How a pack is built
Intake to specialist release, with deterministic gates the AI cannot overrule.
AI extracts and drafts. Deterministic rules — running as code, outside the model — decide what is complete. A human specialist signs every release. That order is never reversed.
01
Premium Gap Scan
Upload policies, payroll records, loss runs, and audit worksheets. We return a free completeness read: which premium inputs are likely misstated and which manual rules apply.
02
Evidence & data reconciliation
As your authorized clerical agent, we reconcile payroll to class codes, loss runs to unit-stat reports, and the carrier's audit to the manual — building a corrected rating file.
03
Grounded drafting
The recovery package is drafted from your validated data and the manual rule pack into field-locked templates — no legal opinions, no invented facts.
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Deterministic completeness gates
Payroll allocation reconciles to the penny; the mod recomputation is verified; the dispute checklist is resolved; any missing data is flagged. Any failure blocks release.
05
Specialist release
A premium audit specialist reviews the exception queue and signs the release. High-value or complex disputes route to attorney review first.
06
Delivery
You receive the pack: corrected rating file, dispute filing, evidence log, and a go-forward audit-ready basis — ready for the employer to submit under its own name.
The bar we hold
Rigor you can measure.
100%
Specialist-released
No pack ships without a human signature.
5 days
Standard SLA
From complete intake to released pack.
<1%
Critical-defect target
Tracked against a gold-standard pack library.
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Data sources reconciled
Payroll · loss runs · unit-stat · carrier audit, every applicable file.
Why Workers' Comp Premium Recovery Engine
Built to be the most thorough option an employer has.
Documentation-complete, by design
The deliverable is completeness itself — every premium input and manual rule accounted for or explicitly exception-coded. Nothing is left implicit.
Deterministic, not vibes
The gates that decide completeness are code, not a model's opinion. A drafting error cannot slip past a manual requirement.
In its lane, on purpose
We prepare documentation and run data reconciliation as your clerical agent. We never contact the carrier, give legal advice, or conduct the dispute hearing.
Engagement
Flat fee, per released pack. No contingency, ever.
Simple, predictable, and aligned with a documentation standard — not a cut of any recovery.
- A free Premium Gap Scan before you commit — see exactly what is missing.
- One flat fee per released Recovery Pack; disclosed pass-through data costs.
- Optional fixed-fee attorney review for high-value or complex disputes.
- Optional Audit-Defense Add-on for the dispute filing and hearing exhibits, pre-dated to your filing window.
FAQ
Questions, answered precisely.
Is Workers' Comp Premium Recovery Engine a law firm?
No. Workers' Comp Premium Recovery Engine, a service of Your Deputy, Obuke LLC, provides documentation-completeness services. It is not a law firm, does not provide legal advice, and does not represent you in any legal matter. Attorney review is available and recommended for high-value or complex disputes.
Do you contact the carrier or collect the refund?
Never. Workers' Comp Premium Recovery Engine is not a debt collector and does not contact carriers or insurers. The employer remains the policyholder and the party responsible for submitting any dispute filing.
What makes a pack 'complete'?
Completeness is defined by the manual: the correct governing classification, payroll allocation, mod recomputation, rate application, and dispute filing — all verified against the applicable NCCI or bureau rules. Deterministic gates enforce each one before release.
How fast is it?
The standard SLA is five business days from complete intake to a specialist-released pack. The free Gap Scan is returned much sooner and tells you exactly what is still needed.
How are you priced?
A flat fee per released pack, plus disclosed pass-through data costs. No contingency and no percentage of any recovered amount or premium savings.
See what's missing before it costs you another renewal.
Start with a free Premium Gap Scan. Send your policies, payroll records, loss runs, and audit worksheets and we'll return a completeness read against every applicable manual rule.
Documentation-completeness service · not legal advice · the employer submits every filing.