Your Mod Deserves
Audit Level Scrutiny
The Orson Group was founded on a simple observation: the experience modification system is complex, carrier data reporting is error prone, and nobody is checking the math for contractors.
Why We Exist
Your experience modification rate is the single biggest lever on your workers' comp premium, and one of the most opaque. It's calculated by NCCI using data your insurance carrier reports. You have almost no visibility into whether that data is correct.
Industry research consistently shows that roughly one in three experience mod calculations contain errors. Not small rounding issues. Material mistakes in classification codes, claim categorization, and reserve levels that inflate your mod and your premiums by thousands or tens of thousands of dollars per year.
Your insurance broker probably can't audit the NCCI calculation itself. Your carrier has no incentive to find their own mistakes. NCCI processes whatever data it receives. That's the gap The Orson Group fills.
What Makes Us Different
Actuarial Expertise
We don't just review your mod. We understand the mathematics behind it. Our actuarial background means we can model your mod forward, identify which claims are driving it, and calculate exactly how much each correction is worth before we file it.
Southeast Focus
We specialize in Florida, Georgia, Tennessee, Alabama, South Carolina, and North Carolina. We know the local NCCI filing requirements, state-specific split points, and the brokers and carriers operating in your market.
Proactive, Not Just Retroactive
Most firms only look backward to find past errors. We also look forward, projecting your mod based on open claims and showing you exactly which reserves to challenge and which claims to manage before the next valuation date.
Construction Specialization
Construction contractors face unique classification code complexity, high expected loss rates, and aggressive premium audits. We understand the Scopes Manual, trade-specific class code rules, and the operational realities of running crews across multiple job sites.
Our Approach
Every engagement follows a rigorous, documented process. We collect your NCCI worksheets, carrier loss runs, and payroll records. We cross reference every data point against NCCI rules and your actual operations. We quantify the impact before filing any corrections. And we follow up until the money is in your hands.
We work on contingency because we're confident in what we find. If there's no error, you owe nothing. If there is, you only pay from what we recover.
Ready to See What's in Your Mod?
A 60-second upload is all it takes. We'll do the rest.
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