Most North San Diego trade contractors overpay on workers comp by 10–20% every year — due to misclassified employees, dual wage code errors, and officer payroll issues that their current broker never caught.
Takes 30 minutes. We'll show you exactly what you should be paying.
Same-day response. No obligation to switch carriers or brokers.
Workers comp in California is one of the most complex and frequently miscalculated coverages for trade contractors. These are the three most common errors we find — and most brokers never look for them.
WC rates vary dramatically between job classifications — sometimes by a factor of 3–5x. Employees doing lower-risk work classified under higher-risk codes means you're paying premium on the wrong rate for every single payroll dollar. This error compounds every renewal.
California's dual wage system allows contractors to pay a significantly lower rate for employees earning above a certain wage threshold. Most brokers don't track wage thresholds carefully — meaning contractors who qualify for the lower rate never receive it.
California has specific rules about how officer payroll is included in WC calculations — with minimum and maximum thresholds. Officers often have their full payroll included when only a capped amount should be used, inflating your premium year after year.
The audit takes about 30 minutes and requires only your current policy and a basic payroll breakdown. No switching carriers, no obligation — just a clear picture of what you should be paying.
Fill out the form or call us directly. We respond same day — no automated systems or call centers.
We review your current WC policy, classifications, payroll breakdown, and experience modifier. Takes 30 minutes.
We identify every misclassification, dual wage opportunity, and officer payroll issue — and calculate the real dollar impact.
We show you exactly what you should be paying and what it takes to get there. No pressure. No obligation.
If you employ workers in any of these trades in North San Diego County, there's a good chance you're overpaying. The audit is free — there's no reason not to find out.
Dual wage thresholds frequently missed
Classification errors are common in mixed crews
Inside vs. outside wireman codes often confused
Multiple applicable codes create overpayment risk
Among the highest WC rates — every error is expensive
Multi-trade crews create layered classification complexity
Footings vs. flatwork codes carry different rates
Interior vs. exterior classifications frequently wrong
Maintenance vs. installation codes often misapplied
This isn't a quick glance at your dec page. It's a full technical review of your WC program — the same analysis we'd do for a paying account.
Every employee classification checked against WCIRB guidelines for your specific operations and trade.
We identify every employee earning above California's dual wage thresholds and calculate the premium reduction you qualify for.
We verify that officer payroll is being calculated correctly under California's minimum and maximum inclusion rules.
We review your experience modifier calculation and flag any errors that could be inflating your mod — and your premium.
If we find overpayment, we'll show you what the correct premium looks like across multiple carriers — not just your current one.
You receive a clear written breakdown of every finding — what's wrong, what it's costing you, and exactly what to do about it.
The CPCU designation is the highest professional credential in the property and casualty insurance industry — held by fewer than 1% of brokers. It means your audit is being conducted by someone with genuine technical depth in WC classification, not a broker who looked up your code in a manual.
Combined with the CIC designation and 13 years of P&C experience, we bring a level of technical rigor to this audit that most brokers simply aren't equipped to match.
This is what we do. We've found overpayments for contractors across North San Diego County — and we've never charged a penny for the audit.
Highest designation in P&C insurance · Top 1% of brokers
Advanced commercial lines & risk management expertise
Specializing in commercial insurance for trade contractors
Takes 30 minutes. Costs nothing. If we find overpayment, we'll show you exactly what to do about it. If we don't, you've lost nothing.
Or email us: info@opulentrisk.com