For construction and contracting companies
Recover the insurance money your business shouldn't have paid.
Koala is an AI-native commercial insurance recovery department for construction companies. We analyse your insurance program, find potential overcharges, substantiate the evidence, and help pursue legitimate recoveries.
Workers' Comp · live in TexasGeneral Liability · Commercial Auto · Umbrella & Excess · in development
no upfront cost · no retainer · nothing owed unless a correction is approved
Three numbers decide your premium, and somebody else enters all three.
( payroll ÷ 100 ) × class rate × experience mod = your premium
The class code is the job category each worker is filed under, and it sets the rate you pay. The payroll allocation is how your wage bill is split across those categories. The experience mod is a multiplier based on your past claims: better than average and it drops below 1.0, worse and it climbs above.
All three are entered by hand and carried forward year after year. The only party checking them is the one that collects when they come back high. Koala checks them on your side of the table.
The bill is one number. The calculation behind it is six documents.
Nobody hides a commercial insurance premium. It is simply computed from records that sit in six different places, held by four different parties, and never brought into the same room after the policy is bound.
What a premium is computed from
06 documents
Policy declarations
Your broker
Class codes, estimated payroll, credits and debits
Payroll register
Your bookkeeper or PEO
What each employee was actually paid, and for what work
Premium audit worksheet
The carrier's auditor
The basis the final bill was actually computed on
Loss runs
The carrier
Every claim, and the reserve still standing against it
Experience mod worksheet
The rating bureau
The multiplier applied to the whole premium, and its inputs
Rate tables and manual rules
Published
What any of the above was permitted to say
Who reconciles them
In the ordinary course, nobody.
Your broker places the coverage. The auditor computes the final bill from what was in front of them. The bureau calculates a modifier from what the carrier reported. Each does their own job correctly. The comparison between them is not anybody's job, and it is where the error survives.
This is a statement about how the process is built, not about how often it goes wrong. Koala has surveyed no population of employers and has no figure to quote. Most employers are not overpaying.
Messy records in. Structured, checkable analysis out.
Insurance records are the least structured data a business owns: scanned audit worksheets, payroll registers in four formats, loss runs that change shape by carrier. Turning that into something a calculation can run on is most of the problem, and it is the part Koala is building.
- Live
- running today, for the scope named
- Building
- partly built, or built for one line
- Roadmap
- intended; nothing runs
Ten stages. Four of them run today, and every one of those four runs for the scope printed beside it rather than for commercial insurance generally.
Documents to filed correction
Document intake
LiveAll documentsPolicies, declarations pages, premium audits, payroll registers, loss runs and experience modification worksheets, in whatever shape they arrive.
Document understanding
LiveWorkers' comp documentsReading each document for what it is and what it asserts, rather than treating a scanned audit worksheet as a bag of words.
Structured insurance data
BuildingTurning those readings into fields a calculation can run on: codes, payroll by code, terms, limits, claims and reserves.
Rating rules
LiveTexas workers' compThe published manual rules and rate tables that were in force on the day a policy incepted, held per state and per term.
Premium reconstruction
LiveTexas workers' compRecomputing what the premium should have been from those inputs, independently of what the carrier billed.
Cross-policy reconciliation
RoadmapComparing the same underlying facts where they appear on more than one policy, so an error is caught by disagreement rather than by inspection.
Finding identification
BuildingIsolating each place the two calculations diverge and attributing the divergence to a specific rule.
Evidence generation
BuildingAssembling, for each finding, the source document, the rule it rests on and the arithmetic between them.
Human review
LiveEvery finding, every lineA person reads every candidate finding and discards the ones that will not survive a carrier pushing back. Nothing is filed automatically.
Recovery workflow
BuildingPreparing the filing, submitting it once you have approved it, and handling what comes back until it is approved or refused.
An insurance recovery team, built in software.
A recovery department is a set of responsibilities: read the documents, apply the rules, rebuild the number, find the difference, prove it, and decide what is worth filing. Koala is building each of those as a part of one system. Here is what runs today and what does not.
3 of 6 live · states are per responsibility, not per company
Document
Extracts information from policies, audits, payroll records and loss runs, and says what it could not read rather than guessing.
LiveWorkers' comp documentsRating
Applies the manual rules and rate tables that governed the policy on its effective date.
LiveTexas workers' compReconciliation
Compares the same fact across policies and source documents. This is the part that does not exist yet.
RoadmapFinding
Identifies where the reconstruction and the bill diverge, and attributes each divergence to a rule.
BuildingRecovery
Organises the evidence behind a finding and carries the filing through to a decision.
BuildingHuman review
Reads every candidate finding and throws away the ones that cannot be evidenced. Not a step the software can take, and not one it is allowed to skip.
LiveEvery finding, every line
What “Live” means here
That the responsibility runs today, on real documents, for the scope printed beside it and for nothing wider. None of these is an autonomous system acting on its own authority. Model output is a candidate, not a finding; a finding is not a filing; and nothing reaches a carrier or a rating bureau without internal review and your written approval.
We don't just read the policy. We rebuild the calculation.
A premium is not an opinion. It is a calculation with published inputs, and it can be performed a second time. Koala recomputes it from the rate tables that were in force on the day your policy incepted, sets the result beside what you were billed, and attributes every difference to a specific rule.
Worked example
Five stages, intake through filing. The fourth is a person throwing a finding away, and it is in the demonstration for the same reason it is in the process.
Illustrative worksheet. Class codes and rating rules are real; the documents, the payroll figures and the resulting amounts are examples, not a result Koala is promising you.
Premium rebuild · 3-year lookback
IllustrativeWhere this file is
Return premium identified
- 5exposures rebuilt
- 3diverged
- 2kept at review
Illustrative. Across the term, after review, and net of the one candidate finding that was withdrawn.
Intake
4 documents
- dec-page-2024-25.pdfparsed
- payroll-register.xlsxparsed
- loss-runs-3yr.pdfparsed
- mod-worksheet.pdfparsed
As filed vs. rebuilt
rate per $100 payroll
| Class | Exposure | Payroll | Filed | Rebuilt | Δ premium |
|---|---|---|---|---|---|
| 8810 | Clerical office | $412,000 | 0.14 | 0.14 | $0 |
| 5403 | Carpentry | $1,240,000 | 8.92 | 8.92 | $0 |
| 5645 | Detached dwellings | $386,000 | 8.92 | 5.11 | −$14,707 |
| OT | Overtime, excess | $96,400 | full | straight | −$2,866 |
| OFF | Officer payroll | $196,000 | full | capped | −$1,570 withdrawn at expert review |
| Return premium identified across the term | $17,573 | ||||
Documents received
Four documents open the file: the declarations page, the payroll register, three years of loss runs, and the bureau's experience modification worksheet. Nothing is summarised away. Every figure below is read off the page it was printed on.
Premium rebuilt
Each exposure is recomputed from the rate pages in force on the effective date, not from last year's figure carried forward. Five lines, five independent rebuilds, before anything is compared.
Findings isolated
- 5645Residential framing rated at the 8.92 carpentry rate. Reassigned to 5645 at 5.11 on the state table for the effective date: 3,860 units × 3.81.
- OTOvertime entered the base at the full rate. Basic Manual excludes the excess third, so $32,133 leaves the rated payroll at 8.92.
- OFFOfficer payroll rated in full. The excess $17,600 over the annual maximum, at 8.92, puts $1,570 in question.
Expert review
KEPTThe 5645 reassignment and the overtime exclusion. Each rests on a published rule and a document already in the file.
CUTThe officer cap. The rebuild applied this year's maximum; the policy incepted before it moved, and under the maximum in force on the effective date the payroll is already inside it. Koala does not file a finding a carrier can close on one question.
Filed with carrier & bureau
To the carrier
Premium adjustment request: two findings, the published rule each one rests on, and the corrected worksheet.
To the rating bureau
Corrected class assignment, so the exposure that sets next year's experience mod is right as well.
Where this goes
Workers' compensation is the wedge, not the business.
The hard part was never one line. It is turning insurance records into structured data and holding a whole program at once. That is what the eight lines below are for.
One line you can order today. Seven being built or planned.
Workers' compensation, in Texas, is the wedge and the only review Koala performs. Everything under the rule below is where the recovery department is going, listed as what it is rather than as a menu.
In development and roadmap · not available to order
07 lines
General Liability
In developmentGeneral liability is rated on receipts or payroll by classification and trued up at audit, and the single largest line on most contractors' audits is subcontractor cost charged at full rate. Koala is not reviewing this line yet.
What a review looks at
- Classifications
- Payroll and receipts
- Subcontractor exposure
- Audit discrepancies
- Exposure calculations
How this line is rated
Commercial Auto
In developmentCommercial auto is rated vehicle by vehicle, and the schedule it is rated from is a list somebody last reconciled at binding. Sold trucks, departed drivers and stale garaging territories all keep billing. Koala is not reviewing this line yet.
What a review looks at
- Vehicle schedules
- Sold vehicles
- Driver information
- Garaging territory
- Fleet exposure
- Classification and rating
How this line is rated
Umbrella / Excess
In developmentAn umbrella is priced off the policies underneath it, so an overstated exposure on your general liability or auto is charged twice: once on the underlying line, and again in the factor applied on top of it. Koala is not reviewing this line yet.
What a review looks at
- Underlying general liability
- Auto exposure
- Limits
- Schedules of underlying insurance
- Exposure inconsistencies
How this line is rated
Builder's Risk
RoadmapProperty coverage on the project itself while it is being built, rated on values and construction cost that move for the whole life of the job. Not a Koala capability today.
What a review looks at
- Project values
- Construction costs
- Project changes
- Exposure information
- Policy and audit discrepancies
Nothing to see yet
OCIP / CCIP
RoadmapOn a wrap-up, one coordinated programme covers many contractors on a single project, so payroll, participation and true-up data sit across several parties at once. Not a Koala capability today.
What a review looks at
- Project payroll
- Contractor participation
- Coverage structure
- Project exposures
- Audit and true-up information
Nothing to see yet
Commercial Property
RoadmapBuildings, yards and their contents, rated on stated values and location data that are rarely revisited once a schedule is set. Not a Koala capability today.
What a review looks at
- Property values
- Locations
- Building information
- Equipment
- Exposure data
Nothing to see yet
Equipment
RoadmapContractors' equipment coverage, rated on schedules and values for machines that are bought, sold and moved constantly. Not a Koala capability today.
What a review looks at
- Equipment schedules
- Stated values
- Owned and rented units
- Exposure data
Nothing to see yet
Beyond commercial insurance
Not a Koala service
State Unemployment
ExploratoryNot commercial insurance. A payroll tax whose rate turns on classification and claim history, which is the same shape of problem read from the same records. Koala may eventually apply the same recovery infrastructure here; it does not today.
What a review looks at
- Payroll records
- Classification
- Claim history
- Rate determinations
Nothing to see yet
State unemployment insurance is not commercial property and casualty insurance. There is no carrier, no policy and no rating bureau: it is a payroll tax administered by a state workforce agency, and it is on this page only because it shares a mechanism with the eight lines above, which is a rate applied to payroll that has been classified by hand.
Koala may eventually apply the same recovery infrastructure to it. Koala does not do so today, and nothing about the eight lines above should be read as a statement about this one.
One company. Several policies. One source of truth.
The same payroll figure rates your workers' compensation policy, appears again as an exposure basis on your general liability, and sets the base your umbrella factor is applied to. Each is rated separately, usually by a different underwriter, from a separate submission. Nothing in an ordinary renewal puts the three copies of that number beside each other.
- Payroll by class codeWorkers' compensation
- Payroll and gross receiptsGeneral liability
- Vehicle and driver scheduleCommercial auto
- Underlying limits and premiumsUmbrella and excess
- Property values and locationsCommercial property
- Project values and participationBuilder's risk and wrap-ups
Koala
One program, held together
- Compare
- Reconcile
- Detect
- Verify
Not built
Cross-policy reconciliation is the long-term product and none of it exists yet. Koala today reviews one line, on its own, for employers in Texas. Everything on this band describes what the system is being designed to do, not something it does, and it is here because it is the reason the company is worth building rather than a capability you can buy.
We look backward, fix today, and prevent tomorrow.
One wrong field does not stay in the year it was entered. It is copied forward at renewal, and the experience modification it feeds is built from three terms at once, so a single error can be sitting inside several policy periods simultaneously.
Illustrative policy history
Not a lookback offer- Term −3May be closed
- Term −2May be open
- Term −1May be open
- CurrentIn force
- RenewalNext audit
The terms above are a shape, not a schedule. Historical review periods depend on the applicable policy, carrier, state and rules, and they differ from one employer to the next. We tell you which of your terms are still open before we open a file, not after.
Backward
Historical
Review eligible prior policy terms for corrections that can still be filed. Whether a term is eligible is decided by your carrier, your state and the applicable rating bureau, not by us.
Now
Current
Identify discrepancies affecting the policy you are on and the audit that is about to settle it, while there is still something to correct rather than to reverse.
Forward
Future
A corrected classification or a corrected mod carries into the next renewal. That is often worth more than the refund, and it is the part nobody invoices for.
A review reads the terms together rather than one at a time, because that is the only way to see a figure being carried forward. Three terms give a review the most to work with. One is enough to start.
The more complex the program, the more places an error can hide.
Built for complicated insurance programs.
The more places a number has to be entered by hand, the more places one can be entered wrongly and carried forward. These are the shapes where that happens most.
General contractors
Several trades under one policy, and payroll that has to be split between them by hand.
Specialty contractors
One trade, but a classification that decides the rate on the whole payroll.
Multi-state operations
Class codes, payroll rules and revision windows are written state by state, so the same worker can be rated three ways.
Large payrolls
The experience modification multiplies everything, and it is built from claim data somebody else reported.
Complex subcontractor exposure
Uninsured subcontracted cost is charged at your own rate, and the relief is a certificate somebody has to have filed.
Commercial fleets
Rated unit by unit from a schedule that is added to promptly and reconciled rarely.
Most employers are not overpaying, and an employer whose whole payroll sits under one class code has very few places for premium to go wrong. We would rather say so than open a file. Workers' compensation in Texas is the only review Koala performs today.
You keep your broker, your carrier and your policy. A review changes none of them, and Koala is not a broker and cannot sell you insurance, so there is nothing here to switch to.
Every finding should be explainable.
The objective is not to produce conclusions you have to take on trust. Every potential finding is assembled as a chain, and each link is a thing you can look at: the page it came from, the rule it rests on, the arithmetic between them, and the person who decided it was worth raising.
What sits behind a single finding
Source document
The page a figure actually came from, with the figure located on it.
Rule
The published manual rule or rate table the figure is tested against, cited so you can look it up.
Calculation
The arithmetic in full, so the difference can be recomputed by anybody holding the same two inputs.
Finding
What the difference is, what it is worth, and what would have to be true for it to be wrong.
Human review
A person's decision to keep it or discard it, before you or a carrier ever sees it.
A finding whose chain cannot be completed is not raised. That is the point of the last link rather than a caveat on it: findings get discarded at internal review, and a difference we cannot source is a difference we do not put in front of your carrier.
Three things about workers’ comp, and three about us.
3
Inputs, one premium
A class code, how payroll is split across codes, and your experience mod. Everything you are billed comes out of those three.
Koala
Nobody audits the auditor.
It was calculated once, by the party sending you the bill, and after that nobody looked at it again. Not your broker, who is paid on the placement. Not the carrier, who has no reason to.
3 yrs
How long an error bills you
An experience mod is built from three years of payroll and losses. A mistake made once keeps arriving in the post long after the term it was made in.
Koala
We do not sell insurance.
No commission, no carrier relationship, no policy to place. The only thing we are ever paid for is finding a number that was wrong, which is the only way our interest and yours point the same direction.
$0
To find out
A review costs nothing up front. Koala is paid a share of what it actually recovers, so a file with nothing wrong on it costs you nothing at all.
Koala
A clean file is a real answer.
Most files are correct, and we will tell you so plainly rather than manufacture a finding to justify the exercise. That is what being paid out of recoveries buys you.
Proof before promises.
Koala is early. There is no library of customer case studies yet, and we will not manufacture one. What there is instead is a system built around evidence you can inspect.
Koala has no customers yet. So there are no logos on this page, no quotes, and no average recovery. Inventing one would be easy and it would be the wrong thing entirely: a recovered-dollar figure you cannot see the file behind is one more number handed over on trust, which is the exact habit this service exists to break. What we can show you instead is every input the review examines and the published document each one is checked against.
When there are customers, they will appear only with their permission, with the file behind them and a result we can substantiate. Until then this space stays as it is.
What we offer instead
- Source document
- Rule
- Calculation
- Finding
- Human review
Every state rates it differently.
Class codes, the payroll rules behind them and how far back a bureau will revise a mod are all set state by state. Koala starts in Texas because that is the book we can read line by line, and a review is only worth having if the person doing it knows which rules were in force on your effective date.
No recovery. No recovery fee.
No upfront cost, no retainer, and no charge for the initial review or the report that comes out of it. Koala earns an agreed percentage of qualifying realised recoveries under the engagement terms, and sends no other kind of invoice. If nothing comes back, nothing is owed.
What each stage costs
- The review$0
Either of us can end it here in writing, and nothing is invoiced. You have paid no retainer and there is no charge for work done to this point.
- The findings report$0
Yours either way, including the case where it says your premium is correct. Most engagements that end early end here, and it is still $0.
- An approved correctionSuccess fee
The only stage that bills. You approved the filing that produced it, the correction was approved by someone other than us, and the money reached you before the invoice did.
Invoiced before a carrier or rating bureau approves a correction
$0
No approved correction, no fee. There is nothing to cancel and nothing to refund.
Both have to be true before there is a fee
A carrier or rating bureau approves the correction
Not our opinion that a correction is owed. Their decision that it is. Until that decision, there is no fee, however strong the finding looks.
The credit, refund, or reduced billing reaches you
The fee follows the money, not the paperwork. An approval on its own is paperwork, and we do not invoice paperwork.
approved ∧ received ⇒ fee = verified savings × agreed rate
What we never charge for
- No upfront fee, no retainer, and no charge for the review itself.
- No fee on savings we did not produce, and none on a finding you chose not to file.
- No commission, override, or other compensation from any carrier, broker, or agent on your account.
- No fee on an estimate. A projected exposure figure is not a recovery, and we don't invoice one.
The rate is a percentage of the verified savings, and it is not printed anywhere on this site. That is deliberate, not an omission. It is set in your engagement agreement, so you read the number in a document you sign rather than discovering it on an invoice.
A filing is a request, not a decision. Every correction goes to your carrier, the applicable rating bureau, or the state insurance regulator, and one of them decides. It can be denied, reduced, or ruled out of time. Nothing here guarantees a premium reduction, a refund, or a particular experience modification.
The Terms of Service are the binding version, and where they and this page differ, the Terms govern. The Refund Policy answers the narrower question of what happens when there is no charge to reverse. Where a signed engagement agreement is in place, it controls wherever it conflicts with either.
Your job: forward the records, then approve.
A review is six steps and you are involved in three of them. The line under each step is what it costs you in time, which is the question a finance lead actually has.
Tell us about your insurance program
Who you are, roughly what you spend on workers' compensation, and which states you run payroll in. Nothing sensitive at this stage.
Your effort · one form
Send the relevant records
Declarations pages, the payroll register behind them, loss runs and your experience modification worksheet. We tell you exactly which after we have replied.
Your effort · one upload
Koala analyses the data
The documents are read, the premium is rebuilt from the published rate tables, and every difference is attributed to a rule.
Your effort · nothing from you
A person reviews the findings
Candidates that will not survive a carrier pushing back are discarded before you see them. On the worked example above, two of four.
Your effort · nothing from you
You approve what gets filed
You see each finding with its calculation and its rule. Nothing goes to a carrier or a rating bureau without your written approval, and you can drop any finding.
Your effort · one decision
We carry the filing to a decision
We submit it, answer what comes back, and follow it through until it is approved or refused. Either way you hear the outcome from us.
Your effort · reading one email
Step six ends in a decision, not necessarily in money. A filing is a request: a carrier, a rating bureau or a regulator can approve it, reduce it, or rule it out of time. Most reviews find nothing worth filing at all, and that outcome costs you nothing.
We're small, and early.
Koala is built by a small founding team, and every finding is reviewed internally before it is filed. That is the only claim on this page about who we are that has any bearing on your file.
There are no executive bios here, and that is not modesty. At this stage a bio describes a company's marketing rather than its work.
- Why this was noticed
- A workers' compensation premium is a calculation with published inputs, performed once, by somebody with no reason to check it a second time. The rate tables and the manual rules are public. The arithmetic is not hard. Almost nobody redoes it, because redoing it takes a week and nobody is paid for the week.
- What is actually built
- A workers' compensation premium can be rebuilt today from the published Texas rate tables, findings are produced with the rule and the arithmetic attached, and every one of them is read by a person before anything is filed. That is one line, in one state. The other eight lines on this page are not built.
- Why construction first
- Because it is where the errors are. Several trades under one policy, payroll split by hand, subcontractors whose certificates decide the bill, fleets, and multi-state crews. Every one of those is a place a figure gets entered once and carried forward for years.
- Why the ambition is bigger than one line
- The hard part is not workers' compensation. It is turning insurance records into structured data and holding a whole programme at once, so an error is caught by two policies disagreeing rather than by somebody reading one. Workers' comp is the wedge. The recovery department is the business.
Today that work is Texasworkers' compensation. The rules that decide a class code and set an experience mod are written state by state, so we would rather cover one state properly than several badly.
Questions employers actually ask
The short answers are here. The Terms of Service are the binding version of anything about money.
09 questions
What is Koala, exactly?
Koala reviews workers' compensation premium for the errors that make employers overpay.
You send documents you already have: premium audits, payroll registers, policy declarations, loss runs, and experience modification worksheets. A premium audit is the bill reconciling estimated payroll against the payroll you actually ran; a loss run is your carrier's list of claims and what each one cost; the experience modification, or mod, is the multiplier your past claims set on the whole premium. We then check how payroll is split across job classification codes, officer payroll minimums and maximums, excess overtime, subcontractor charges, and the loss data feeding that mod. Where we find an error, you get a findings report showing the calculation and the rule behind it.
What does it cost?
Nothing upfront. No retainer, and no charge for the review.
We are paid a percentage of the premium savings the review actually produces for you, at the rate stated in your engagement agreement. It becomes payable only after a carrier or rating bureau has approved the correction and the credit, refund, or reduced billing has reached you. If a review produces no approved correction, you owe nothing.
What if you find nothing, or the filing is denied?
You owe nothing, and there is nothing to cancel.
Because there is no upfront charge, there is also nothing to refund. A dispute filing is a request, not a decision: a carrier, rating bureau, or regulator can deny it, reduce it, or rule it out of time. In that case the work was ours to absorb.
Can you guarantee a recovery?
No. The decision is not ours to make.
Every correction is reviewed and approved by your carrier, the applicable rating bureau, or the state insurance regulator. Each applies its own manual rules, evidentiary standards, and revision windows. Any savings figure we share before a correction is approved is an estimate of exposure, not a promise of recovery.
Who reviews the findings before they are filed?
We do, internally. Findings are never filed automatically.
Every one of them, with its calculation and the rule it rests on, goes through internal review before it is submitted. That is all we claim it is: not review by a licensed, credentialed, or accredited professional. Where your situation calls for one, engage your own attorney, CPA, or licensed agent or broker.
Do you review anything other than workers' compensation?
Not yet. Workers' compensation, in Texas, is the only review Koala performs today.
General liability, commercial auto, and umbrella and excess liability are in build and are not available to order. Each has a page describing how it is rated and where its errors come from, and each of those pages says on it that the line is not live. We would rather cover one line properly than several badly, and the same argument applies to the state: the rules that decide a class code and set an experience mod are written state by state.
Are you selling me insurance?
No, and we are not a broker pitch in disguise.
Koala places no coverage, moves no account, and is paid nothing by any carrier, broker, or agent for doing either. We review the policy you already bought and the premium you were already billed. We are paid only out of what that review gets corrected.
Where do your numbers come from?
Your own documents, and the published rules that govern them.
The figures come from your premium audits, payroll registers, policy declarations, loss runs, and experience modification worksheets. The rules we test them against are the class code and rating rules published by the rating bureau that applies in your state, plus the terms of your own policy. Every finding shows its calculation and cites the rule it rests on, so you can check our work, and you should.
Is Koala a law firm, a broker, or an insurance carrier?
None of those. Koala is a workers' compensation premium audit review and consulting service.
We are not a carrier, a licensed agent or broker, a rating bureau, a law firm, or an accounting firm. We do not place coverage, we do not set rates, and nothing we produce is legal, tax, or accounting advice.
The fee mechanics are written out in full in the Terms of Service, and the Refund Policy covers the narrower question of what happens when there is no charge to reverse. The workers' compensation page walks a review stage by stage on a worked file. If something here is still unclear, write to us.
Request a recovery review
Think your insurance deserves a second look?
Give Koala a look at your commercial insurance program. There is no upfront cost, and on plenty of files the answer is that there is nothing worth filing.
Find out whether you're overpaying.
Tell us who you are and roughly what you spend on workers' comp. We'll tell you whether your file is worth a full review, and exactly what we'd need to do one.
Reply
A person replies, usually within two business days
Not an autoresponder and not a sequence. If a review doesn't look worth doing for you, we say so in the reply.
Incentives
No broker, no commission, no policy pitch
Koala is not appointed by a carrier and does not sell insurance. We are not going to quote your renewal, now or later.
Documents
Send nothing sensitive yet
This form takes contact details and context only. We tell you which documents matter, and how to send them securely, once we've replied.
Review request · 3 required fields
No account created