CIV Inc.: Independent Workers’ Compensation Forensic Reviews
Since 2007, CIV Inc. has helped businesses identify errors and overcharges within their workers’ compensation programs. Our independent forensic reviews examine experience modification calculations, premium audits, claims data, classifications, payroll reporting, and carrier records to uncover discrepancies that routine annual reviews may overlook. As part of this process, CIV verifies the accuracy of the information reported to insurance carriers and rating bureaus and used to calculate your premiums.
When correctable errors are found, we help clients pursue available adjustments, reduce unnecessary current and future premium costs, and recover eligible historical overpayments subject to applicable state rules and filing deadlines.
Independent Expertise That Supports Your Broker
CIV does not sell insurance, place coverage, or replace your insurance agent or broker. Our specialized forensic review services complement and support the work they provide.
Our reviews are conducted independently of insurance carriers and are based on applicable state regulations, rating-bureau rules, policy records, and verified workers’ compensation data. Our objective is straightforward: to help ensure that your company’s premiums and experience modification are accurate, properly calculated, and supported by the underlying data.
Errors Often Remain Hidden for Years
According to CIV’s internal review data, more than 91% of qualified clients were found to have potentially correctable issues involving experience modification calculations, premium charges, reporting, or carrier administration.*
Left unidentified, these issues may increase operating costs, restrict cash flow, and affect a company’s ability to invest and grow. By identifying and correcting eligible discrepancies, businesses may be able to lower future costs and recover funds previously lost to overpayments.
Find out whether hidden errors are affecting your workers’ compensation costs. Schedule a confidential preliminary review with CIV.
*Individual results vary. Eligibility for adjustments or refunds depends on the client’s circumstances, policy types, applicable regulations, and filing deadlines.
Fort Pitt Group
"If it were not for CIV's expertise, we never would have received the $224,000.00 refund check. CIV's knowledge of the industry and his ability to navigate through the insurance companies as well as the state agencies was the key to our success. I highly recommend their services of CIV.
George Petty - CFO
BIOFOAM
"If you think you insurance broker / agent is looking after your workers' compensation, your're wrong. Leland exposed years of oversite and neglect my account received, and the worst part is I didn't know. My agent was new to the industry and didn't know either.
Leland is an expert in workers' compensation, give him access to the information he needs, and he will find a mistake. For my compnay he found over $100k in errors and was able to recuperate most of it. I can not recommend his serivces enough.
Tiffiny Flaim, President
Joseph J. Henderson & Sons
"On behalf of Joseph J. Henderson & Sons, I would like to personally thank you for your recent assistance in recovering $83,200.00 in premiums. Your willingness to thoroughly explain the process step by step and work with us in such a professional manner makes it easy to recommend you and your company to others we work with"