Well, that didn't take long. At 8:46 am, Central time, I received our first "Shock Audit" phone call of 2019, from a small roofing company in New Jersey. The owner has been on the receiving end of a Workers Comp Shock Audit because his insurance company has insisted on placing his payroll into the roofing classification even though, for the time period in question, he was desperately fighting cancer, going through chemo, getting a bone marrow transplant, and quite unable to be going up on roofs. The good news is that treatment was successful and he is no longer enduring the terrible trials involved in fighting that devastating disease. But he is still enduring the trial of an insurance company insisting it is owed large amounts of money that no sane person would agree with.
That's why we call them "Shock Audits"--these tend to strike a business with significant additional premium charges that were not, could not have been, anticipated based on the original policy premium or on the basic facts of the situation. Small businesses tend to be particularly vulnerable to these, although they can strike a business of just about any size. We've helped policyholders ranging from small machine shops on up to an NFL team and Fortune 500 type companies, all of which were subject to Shock Audit charges.
I am pretty damn sure we can help this gentleman. We will certainly do our utmost.