Meet Dr. Comp —
The Doctor of Workers' Compensation
Most businesses aren't high-risk… they're just diagnosed wrong. We fix that.
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Dr. Comp
Workers' Comp Diagnostician
Diagnosis Report
Mod Reduced
1.74 → 1.12
Audit Error Fixed
$18k recovered
We Diagnose. We Prescribe. We Fix.
Most brokers just shop your policy around and hand you a quote. Dr. Comp goes deeper — auditing every line of your policy, your mod worksheet, your loss runs, and your payroll allocation to find exactly where you're being overcharged.
Fixes incorrect class codes
Wrong codes inflate your premium by thousands. We reclassify correctly.
Reduces inflated experience mods
We dispute errors and build a multi-year mod reduction plan.
Identifies audit errors
Post-audit adjustments often go unchallenged — we catch and fight them.
Rewrites policies correctly
Proper structure means lower cost, better coverage, and fewer surprises.
The Diagnosis
We Fix the Problems You Didn't Know You Had
If you don't address these workers' comp issues, you're leaving money on the table — yours.
Overpaying for Workers’ Comp
Most businesses pay 20–40% more than they should. Misclassifications and unchallenged audits quietly drain your budget every year.
Wrong Classification Codes
Incorrect class codes are the #1 cause of inflated premiums. We audit your payroll and reclassify workers to the correct — and cheaper — codes.
High Experience Mod
A mod above 1.0 signals risk to carriers and drives up your cost. We build a plan to dispute errors, reduce claims impact, and trend your mod down.
Declined or Non-Renewed Policies
Getting turned away by carriers doesn’t mean you’re uninsurable. We know which specialty markets will take a second look — and present your risk the right way.
Limited Carrier Options
Most brokers have access to a handful of markets. We work with 40+ carriers and specialty programs — so you get real competition, not a rubber stamp.
No Clear Strategy
Renewing the same policy year after year isn’t a plan. We build a multi-year roadmap to reduce your mod, fix your codes, and lower your total cost of risk.
The Process
What Dr. Comp Actually Does
A full diagnostic review of your workers' comp program — not just a quote comparison.
Policy & Mod Audit
We pull apart your current policy, experience mod worksheet, and loss runs to find every error, misclassification, and overcharge.
Risk Diagnosis
We identify the root cause of your high mod or premium — whether it's class codes, claims frequency, audit errors, or carrier pricing.
Prescription & Placement
We build a correction strategy, reclassify where needed, and present your risk to the right markets — not all of them.
Ongoing Monitoring
We track your mod trajectory, flag new audit issues, and adjust your program annually to keep costs trending down.
Mod Reduction Plan
A written multi-year plan showing exactly how we'll reduce your experience mod and what it means for your premium.
Claims Advocacy
When claims happen, we advocate on your behalf to ensure proper reserving and closure — protecting your future mod.
Ready for Your Free Diagnosis?
Upload your policy and loss runs. We'll tell you exactly what's wrong and what it's costing you.
No commitment required · Results in 24–48 hours