Solo and small contractors in NCCI states can recover $2–8k in overcharged premiums — same day, no attorney, no contingency cut. Answer 6 questions and find out if you have a case.
Takes under 3 minutes • No account required • Document prep only, not legal advice
We only flag the two errors that are provably reversible with a document or a duties-based reclass—no guesswork, no fishing.
Auditors routinely assign landscape gardening code 0042 when your crew does lawn maintenance (mowing, edging, cleanup), which should be the far cheaper code 9102. The rate difference is nearly 2×—meaning you may have paid double for every dollar of payroll in that code.
When a subcontractor doesn’t produce a Certificate of Insurance, the carrier reclasses all payments to that sub as your payroll—at your highest class-code rate. A valid COI presented in a dispute eliminates the added charge entirely.
Built for contractors under deadline pressure—not for attorneys billing by the hour.
Answer 6 quick questions about your audit: state, bill amount, crew duties, any subs used, and whether you have a COI. We screen for only the two provably-disputable errors and give you a yes/no verdict.
FreeIf a real error is flagged, unlock your carrier-ready dispute packet: a citation-backed letter referencing the NCCI Basic Manual rule, your recoverable-dollar estimate, and the COI-attachment structure carriers accept.
$149 – $249 flatDownload the packet, attach any supporting docs, and send it to your carrier within the 30-day dispute window. The letter cites the specific NCCI rule—carriers have a process for exactly this type of dispute.
You keep 100% of the recoveryToo small for a recovery consultant to bother with, too big to just write a check.
Especially 0042–vs–9102 misclass victims
High chargeback risk when subs lack COI on file
Any <10-person contractor in an NCCI state
38 states use NCCI class codes—check yours in 10 seconds
Six questions. Under three minutes. No account, no commitment.
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