Understand what is driving your workers' compensation cost.
A free, no-obligation review of your in-force workers' compensation policy, whether it is with SAIF or a private carrier. We read the classifications, the experience modification, the audit, and the parts that quietly move your premium, then tell you plainly what we find. You keep your policy either way.
Have your declarations page and recent audit handy. We do the reading, and share documents the secure way.
- A plain-language read on what is actually driving your cost.
- A short list of what is confirmed, unclear, or worth disputing.
- A decision path: keep it, clarify it, change agents, or compare markets.
- No obligation, no savings promise, and you keep your policy either way.
When a review makes sense
A review earns its time when something moved or a decision is coming up. The common triggers:
- Your premium went up and you are not sure why.
- An audit produced a bill you did not expect.
- Your work, payroll, locations, or ownership changed.
- Your experience modification changed.
- You have a subcontractor or class-code question.
- A renewal or an agent-change decision is in front of you.
- You added employees who work in Washington or another state.
What we check, and why it matters
Cost in a workers' compensation policy lives in a handful of specific places. We read each one against how your business actually operates.
| What we check | Why it moves your premium |
|---|---|
| Class codes vs. actual duties | The rate you pay is tied to the classification. A wrong code overcharges you or leaves a gap that surfaces at audit. |
| Experience-modification inputs | The mod multiplies your premium up or down. Old reserves and payroll errors in the data quietly inflate it. |
| Owner and officer treatment | Including or excluding owners changes both premium and who is covered if an owner is hurt. |
| Group and dividend eligibility | An association group program can lower premium; a dividend is separate, conditional, and never guaranteed. |
| Audit exposure | Uninsured subcontractors and mis-categorized payroll are the two most common sources of a surprise audit bill. |
| Multistate gaps | An Oregon policy does not automatically cover a worker in Washington. Gaps here are expensive and easy to miss. |
How the review works
- Tell us the concern. Start with the quote form or a call. You do not send sensitive records yet.
- We confirm fit and scope. If a review will not help, we say so before you spend time on it.
- We gather the documents securely. We will tell you the secure way to share your declarations, audit, and payroll summary. Never send those through a plain web form.
- We read the policy. Class codes, mod, owners, audit, group and dividend treatment, and state exposure.
- We give you the findings. A short written summary and a straight decision path.
- You decide. Keep the policy, clarify something, change agents, remarket, or coordinate other-state coverage. Nothing happens without your authorization.
What we need from you
To do it well we generally need your current and prior declarations pages, your most recent premium audit if you have one, and a payroll summary by role. Do not send sensitive records through a web form; start with the quote form or a call and we will tell you the secure way to share documents. That secure-handling step is not a formality, it is how payroll and claims information should always move.
What the review does not do
We think honesty about limits is part of the service. A review does not guarantee savings, a lower classification, an experience-modification reduction, an audit reversal, or a specific carrier result. It is not legal, tax, or accounting advice. Employers are often surprised by what a class-code review turns up, but we do not put a number on it before we have read the policy, and some reviews end with the honest conclusion that your program is already reasonable.
SAIF or another carrier, either way
This review is carrier-neutral. If you are with SAIF, we know the SAIF audit, group programs, and dividend mechanics and can help you keep the policy and improve the service through a SAIF agent change. If you are with a private carrier, we read it the same way. The goal is the right answer for your account, not a predetermined carrier.
Policy review questions.
What does a policy and cost review cost?
Do I have to move my policy to you?
Will my current agent find out?
How long does it take?
Related workers' compensation help.
Independent SAIF Help
New policy, agent change, or comparison.
How to Change Your SAIF Agent
Keep your policy, change who services it.
Oregon Workers' Compensation
Requirements, cost, and carriers.
Premium Audit Guide
Prepare for and read your WC audit.
Class Codes Explained
Why the wrong code costs you.
Experience Modification
What moves your mod, and how.
Get a second set of eyes on your workers' comp.
Start with the workers' comp form or a call. We will confirm the review and give you the secure way to share your declarations and audit, then tell you what is driving the cost and what, if anything, is worth changing.