Recovery Guardian’s mission is simple: to recoup the money companies and organizations have overpaid on workers’ compensation insurance. • The need grew out of this alarming fact: 75% of U.S. businesses are unaware that they’re overpaying for workers’ compensation insurance due to unforeseen errors—and that they can recover that overpayment. • Studies show that many companies are unaware they’ve spent more than necessary on past premiums—and are likely paying too much on their current premiums. This confusion is due to the constant changes in the workers compensation industry, including rating bureau (NCCI & state specific) rules and regulation changes, policy changes, not to mention the application of incorrect rates, discounts, classifications, experience modification calculations, erroneous payroll and audits. • Errors occur regardless of the agent, broker, agency, and/or insurance carriers involved in calculating the premium. And there’s no one agency or governing body that oversees the entire process from start to finish. • Despite the best intentions of insurance agents and insurance companies in classifying and applying the rules and regulations, it’s not uncommon for errors to occur, resulting in large sums of money overpaid. Rarely do companies have the time, personnel, or expertise to identify errors in their policies. And since the insurance industry is regulated on a state-by-state basis, there can be significant exceptions that aren’t always understood, even by insurance professionals. What’s more, rules regarding classification codes, experience modification calculations, endorsements, discounts and other credits are often overlooked or ignored, resulting in undetected overcharges. • Recovery Guardian is here to help businesses like yours recoup the money you’ve been overpaying. Overcharges can be recovered from your current and past premiums for up to 7 years, even if you’ve changed carriers or your company has gone out of business.