The premium audit process is complicated.
we help you keep things simple.
Meet AdvoQates. We provide expert insurance premium audit representation on behalf of the insured. Our auditors access the very same tools and resources used by insurance carriers and their auditing teams. We aim to share our real-world knowledge and level the playing field by representing you, the policyholder, to AdvoQate on your behalf and administer audits directly to the carrier. You’ll enjoy financial savings and peace of mind … by never paying unnecessary insurance premiums.
Our Services
Premium Audit Representation
Audit Representation Options Include Physical Audits; Remote Audits; Online Audits; And Telephone Audits.
Operational Infrastructure Review
Review Primary Operations and Standard Exception Operations as Relates to Auditable Policies
Payroll Integration Recommendation
Ensure All Operational Information Is Being Recorded Accurately and Reported Properly to Carriers.
Full Audit Package + Documentation
Submit Full Audit Package Directly to Carrier With Relevant Notes and Clarifications Added As Needed.
Client Support + Look-back
If Inconsistencies Occurred With Previous Audits, AdvoQates Will Perform Lookback on Prior Terms and Dispute as Needed.
Annual Follow-Up Review
AdvoQates Will Perform Annual Reviews on All Policy Including Details of Operation Changes and Class Code Recommendations.
Benefits &
Advantages
The AdvoQates way
The Premium Audit Process Is Complicated. We Help You Keep Things Simple.
A solution to the complicated, time consuming and in most cases overwhelming experience surrounding insurance premium audits is simple, have the representation of AdvoQates on your side, we will handle the entire auditing process directly with the carrier and/or contracted auditing team.
The Upside
Let us help you reduce expenses, avoid errors, determine correct class codes for the future -- all while advoqating for reimbursement on erroneous worker’s compensation and general liability policy charges.
The People
Founded by a skilled team of professional insurance auditors with 35+ years of real experience in conducting premium insurance audits on the carrier’s behalf for all types of auditable policies.
The Outcome
We offer peace of mind and simplify your role by managing the time-consuming audit paperwork, statutory requirements, and technical complexities -- all while positively impacting your bottom line.
Our Clients
Insured
The challenges a company faces each and every day to maintain operations, increase revenue and reduce overhead costs is a headache in itself. You have a company to run and AdvoQates has the solution towards keeping your companies insurance premium costs to a minimum by managing the entire process. Our goal is to deliver you the peace of mind knowing our success is your success by not paying insurance premium costs higher than necessary.
Agent/Broker
Companies know the importance of having an experienced and knowledgeable agent on their side that can deliver insurance policies with the proper coverage at the lowest cost. In today’s business world, receiving the highest level of service has become equally important, a service that requires you to manage their insurance premium audits. Audits that have its technical challenges and are a time consuming process. A process that AdvoQates can manage on your behalf. Our expertise and knowledge will insure you deliver the highest level of service to your clients when it pertains to insurance premium audits.
Human Resources
Handling the day-to-day processes surrounding the role of human resources such as payroll, compliance and safety, employee benefits and issues is a lot to manage in itself, now add the responsibility of undergoing an insurance premium audit that requires time consuming details about financial intricacies and exposure class codes by state and job duties…an audit that will result in a significant cost to the company. AdvoQates understands your role and by handling the company’s insurance premium audits on your behalf, our responsibility is to you and your company by keeping insurance premium costs to a minimum.
CPA
The preparation of financials and filing of taxes is your specialty, yet you find yourself handling insurance premium audits on behalf of your client which is a complex process better handled by the experts. The complexity surrounding regulatory compliance, applicable adjustments and qualified deductions that affects your clients’ financial bottom line is AdvoQates specialty. AdvoQates understands the regulatory details that could drastically reduce your clients’ insurance premium costs.
PEO
As a professional employer organization, you have a vested interest towards your client’s insurance premium costs and ultimately their financial success. AdvoQates is available to deliver strategic guidance towards every phase of the insurance premium audit process; saving you time and reducing your client’s premium costs.
LegalProfessional
The complexity surrounding insurance premium audits can be a stressful and overwhelming task for your clients and may require your professional guidance. Guidance towards regulatory compliance, state statues, employee applicable exposure codes and so much more. The expertise of AdvoQates can deliver the guidance towards crystallizing the details of an audit and provide the necessary documentation to
People Talk
"A carrier can conduct an audit and make an error resulting in a higher premium. If you do not file a dispute, it will remain. Fact is, the carriers and insurers hire people to look out for them. This is why AdvoQates services may be critical.
AdvoQates provides the same expertise, and audits on your terms.
MOSHE D. LAPIN
ESQ, Lapin Law Firm, PC
"I use a CPA to file my taxes. Yes, I know enough to file a basic return on my own - but I don't know all the rules that my CPA knows to ensure I claim every credit that I'm due. That's why I use AdvoQates whenever I'm facing a premium audit. They know the important details that I don't."
NICHOLAS ALEXIOU
CPA. Alexiou Tax + Accounting, PLLC
"Knowledge of evolving rules and industry experience is a must to make sure you're getting a fair audit. But you can only obtain this know-how with decades of carrier auditing experience. That's why we're here.”
AARON ENGLARD
CEO, AdvoQates
"An audit that becomes problematic can cost you weeks of time, thousands of dollars, and put entire businesses in danger of financial insolvency. Let us represent you during this most critical time.”
ESTHER EINREB
Account Manager, AdvoQates
"An audit that becomes problematic can cost you weeks of time, thousands of dollars, and put entire businesses in danger of financial insolvency. Let us represent you during this most critical time.”
SUSAN ELLIOTT
Audit Specialist, AdvoQates
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"A carrier can conduct an audit and make an error resulting in a higher premium. If you do not file a dispute, it will remain. Fact is, the carriers and insurers hire people to look out for them. This is why AdvoQates services may be critical. AdvoQates provides the same expertise and audits on your terms.
MOSHE D. LAPIN
ESQ, Lapin Law Firm, PC
"Knowledge of evolving rules and industry experience is a must to make sure you're getting a fair audit. But you can only obtain this know-how with decades of carrier auditing experience. That's why we're here.”
AARON ENGLARD
CEO, AdvoQates
"I use a CPA to file my taxes. Yes, I know enough to file a basic return on my own - but I don't know all the rules that my CPA knows to ensure I claim every credit that I'm due. That's why I use AdvoQates whenever I'm facing a premium audit. They know the important details that I don't."
NICHOLAS ALEXIOU
CPA. Alexiou Tax + Accounting, PLLC
"An audit that becomes problematic can cost you weeks of time, thousands of dollars, and put entire businesses in danger of financial insolvency. Let us represent you during this most critical time.”
"An audit that becomes problematic can cost you weeks of time, thousands of dollars, and put entire businesses in danger of financial insolvency. Let us represent you during this most critical time.”
ESTHER EINREB
Account Manager, AdvoQates
SUSAN ELLIOTT
Audit Specialist, AdvoQates