Insurance companies are buckling down as they continue to lose money year after year. Insurance companies are watching the accounts that they're writing now and looking more closely at the losses of each account. Some accounts will just see rate increases, while others will see rate increases plus big scheduled debits on their policies due to bad loss experience. No matter what, you can easily obtain refunds on your past and current years and obtain savings on future years for you to keep with no out of pocket expenses. Workers compensation premium recovery is the only solution to go back on prior and current policies for refunds and is the best and quickest way to obtain a better underwriting profile to enter the renewal marketplace with.