Just got retained for yet another Georgia small contractor facing financial ruin from a large insurance company over a Workers Comp Shock Audit. In this one, the insurer is filing suit seeking $250,000 for what was originally a small policy that had originally produced a Return Premium when the audit was done.
Something feels deeply, deeply wrong with the Georgia Assigned Risk Plan. It has been apparently weaponized by a very large insurance company into some kind of out-of-control Frankenstein's monster for small contractors. Buy a policy this year, face utter ruin a year and a half later.
This is not the way Workers Compensation insurance was intended to function.
I have high hopes I can help knock this audit down to size--because I invariably find these audits don't hold up to scrutiny. Which is scandalous all by itself.
So for me, the game is afoot. For these small business owners, they are losing sleep and fearing the worst. Because the system is broken.
For me, it means job security, I guess. For them, fear and anxiety and expense. But I will do my best for them. And for a lot of similar past cases, my best was good enough. So let's see what I can do here.
