In this episode, Michael Pallozzi is joined by Bobby Giurintano of Premium Recovery Experts to unpack a little-known strategy that helps business owners recover overpaid workers' compensation premiums. Bobby explains how his firm audits past audits—examining insurance carriers' work to uncover errors that could mean real money back for clients. Learn how his risk-free process has helped companies reclaim tens of thousands in refunds with minimal time investment. This episode is especially relevant for entrepreneurs in the trades, where workers' comp costs can be substantial.

Tune into this episode to also learn:

● How workers' comp classification codes and risk scores impact premiums.

● Why businesses with multiple state operations have higher refund potential.

● How Bobby’s process uncovers errors without disrupting broker relationships.

● Common red flags and real-world savings from past clients.

What we discussed

● [00:02:08] Bobby introduces Premium Recovery Experts and how they help businesses recover workers' comp overpayments.

● [00:04:20] Bobby’s background and how a networking event launched his transition into the audit business.

● [00:05:41] Trades businesses that are ideal candidates—and those that aren’t—for recovery audits.

● [00:07:30] The step-by-step client process, including how minimal time is required.

● [00:10:58] Common reasons for overcharges: classification errors, misapplied risk scores, and claim mismanagement.

● [00:14:32] What experience modification ratings (EMR) are and why they matter in construction.

● [00:16:52] The forward-looking benefits of correcting audit errors—not just refunds, but future premium savings.

● [00:17:43] Ideal company size and premium range to work with Bobby’s team.

● [00:18:45] Limitations: states and business models that may not qualify.

● [00:20:04] Why union companies often pay higher premiums and how that plays into savings potential.

● [00:22:15] What happens if Bobby finds favorable conditions in your current setup—spoiler: they walk away.

● [00:24:02] How to get in touch with Bobby and what to expect from your first call.

3 Things To Remember

1. Many businesses are unknowingly overpaying workers’ compensation premiums due to classification or risk score errors.
2. Premium Recovery Experts provides a hands-off, no-upfront-cost process that identifies and corrects these errors.
3. Correcting past audits not only recovers money but can also reduce future premiums and improve competitiveness.

Useful Links

Connect with Michael Pallozzi on LinkedIn: https://www.linkedin.com/in/michaelpallozzihfm/

Connect with Bobby Giurintano on LinkedIn: https://www.linkedin.com/in/bobbygiurintano/

Premium Recovery Experts: https://premiumrecoveryexperts.com/

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