CIV Inc. is the Leader In Workers Compensation Forensic Reviews
Since 2007, CIV Inc. has served as an independent workers’ compensation advocate for businesses nationwide, helping companies recover overpaid premiums by reducing inflated Experience Modification Factors (EMFs) and premium calculation errors. Our forensic review process is designed to lower current and future workers’ compensation costs while identifying and recovering historical funds that may have been overlooked for years.
Traditional annual reviews often miss discrepancies buried deep within your workers’ compensation data. These errors can quietly cost businesses thousands, and in many cases tens of thousands of dollars in unnecessary premiums. Our independent forensic review can uncover hidden inaccuracies, identify carrier and reporting issues, recover lost funds, and help optimize your workers’ compensation program for long-term savings.
Our services are entirely different from those provided by your insurance agent or broker. We do not replace your agent; we strengthen and support their efforts. Our reviews are conducted without carrier influence and are based strictly on state regulations, national rating bureau rules, and verified workers’ compensation data. Our goal is to ensure accuracy, compliance, and fair premium treatment in accordance with all applicable laws and regulations.
A Shocking Discovery
More than 91% of our qualified clients discovered they had been operating for years with inflated experience modification factors, hidden premium overcharges, and carrier compliance issues they were completely unaware of. These errors often restricted cash flow, increased operating costs, and limited opportunities for growth and expansion.
Today, those same businesses have regained control of their workers’ compensation costs by reducing their EMFs, lowering current and future premiums, and recovering substantial funds back to their bottom line.
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"