Workers’ comp premium isn’t fixed — it’s a calculation built from several inputs you can actually influence. Here are the levers that move the number, in the order we typically find the biggest savings.
1. Fix Classification Code Errors
The single most common — and most expensive — mistake. Businesses get placed in a code that doesn’t match their actual operations, often because the business has evolved since the policy was first written. This is especially common for contractors, landscaping businesses.
Workers’ comp classification codes in NYC →
2. Audit Your E-Mod
Errors in your Experience Modification Rate directly multiply your premium. Use our E-Mod audit checklist before every renewal — not just once.
3. Tighten Payroll Reporting
Overtime, bonuses, and how owner/officer payroll is reported can all swing premium more than most business owners expect. Make sure what’s reported matches what’s actually paid in the categories that count toward your rating.
Full payroll classification audit guide →
4. Implement a Return-to-Work Program
Claims that drag on cost more and hurt your E-Mod for years. A structured return-to-work program shortens claim duration and demonstrates active claims management to underwriters.
Return-to-work programs explained →
5. Shop the Market Periodically
Not all carriers price the same class codes the same way. A carrier that specializes in your industry will often price more competitively than a generalist. We shop across the market for every client.
This Applies Across All Our Service Areas
Brooklyn · Queens · Manhattan · Bronx · Staten Island · Long Island
