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Construction Management

High Risk Industries

  • Construction

  • Auto Dealers

  • Manufacturing

  • Transportation

  • Health Care

  • Hospitality

  • Staffing

Truck Driving by Lake

Types of Workers' Comp Policies

  • Fully Guaranteed Cost Plan

  • Retrospective (loss sensitive)

  • Small deductible

  • Assigned risk pool

  • Companies going into or coming out of a PEO

Laser Cutting

"Red Flags"

  • Claim activity 

  • Multi Xmod's issued in the same year

  • Change in rating period

  • A major increase in Xmod/preimum

  • Buying/Selling companies

  • Subrogated/Denied/Disputed claims

  • Missing credits/Added debits

  • Payroll Audit/Class Code disputes

  • Multiple state exposure

Premium Range

High risk companies who pay a minimum of $100,000 per year on their workers' comp, have the highest probability of carrier errors, leading to overcharges.  Keep in mind, those with premiums under $100,000 are still at risk.

Experience Mod

A credit experience mod (below a 1.0) does not mean everything is fine.  This is a false assumption.  The majority of our six-figure recoveries have come from companies with a credit mod.  ​

Having debit Xmod's is a "red flag", your Xmod data needs to be verified.  One reporting error can increase 3 Xmods and policy premiums.​

Independent Forensic Review

There is only advantages in having an independent expert, not associated with the insurance industry, perform your forensic review. Our loyalty to our clients ensure their mods and premium are accurate.

We work only for you, nobody else.


CIV Inc.'s forensic review acts as your independent watchdog, uncovering hidden errors and ensuring fair pricing.


Although our “No Recovery, No Fee” shared savings plan has certain requirements, we provide adaptable alternatives such as an hourly rate or a fixed-fee programs for those who are not eligible (Self Insured, Group Plan, Agreed To Rate, PEO policies).

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