Welcome

Due to the audit and experience modification process, workers’ compensation is the most complex insurance policy to properly rate.  If you do not have someone who has been specifically trained in the rating of workers’ comp, you may need a second opinion regarding your insurance. 
The Institute of Workcomp Professionals’ statistics indicate 48% of U.S. businesses with workers’ compensation policies are overcharged.

At Independent Insurance Counselors, we do workers comp insurance Texas style – honest & fair.  We have developed a unique system that finds, corrects and avoids future overcharges by the insurance companies.  Our insurance company representation covers all Texas-based employers (small to large, low hazard to high hazard).

Knowledge of classifications, payroll exemptions and the rules of work comp are critical.  Having a Certified Work Comp Advisor (CWCA) like Mike Lansford in your corner is a tremendous advantage.

How do you know that you might be overcharged?  Answering “no” to any of the following questions is a good indicator:

1. Do you receive copies of the auditor’s worksheets?
2. Does your agent prepare you well for the premium audit?
3. Have you reviewed the list of “excluded remuneration?
4. Did you receive a written report on all open claims?
5. Have you been told how much an employee injury affects your final premium?

If you would like more information about getting your workers comp insurance Texas style, request our free video “How to Save & Make Money with Workers’ Comp”.  We hope you find the video informative.  Take care.