Terms of Service

Koala reviews workers' compensation premium for errors that cause an employer to overpay. That review typically covers your final and interim premium audits, the classification of payroll to job classification codes, executive officer payroll minimums and maximums, excess overtime and other payroll inclusions and exclusions, subcontractor charges and the certificates of insurance behind them, and the loss and payroll data feeding your experience modification worksheet.

Where we find an error, we produce a findings report showing the calculation and the classification rule, manual rule, or bureau rule it rests on, and (where you authorize it) a dispute filing directed to your carrier, the applicable rating bureau, or the state insurance regulator. The report is a professional opinion based on the records you give us. It is not a legal opinion, a tax opinion, an actuarial certification, or a guarantee of any outcome.

Koala is a business-to-business service. It is offered to employers and to the brokers, agents, accountants, and advisors acting for them, not to individual consumers. By accepting these Terms you represent that you are authorized to bind the employer on whose behalf you are engaging us, and that you have the authority to give us the records described below.

Koala charges no upfront fee, no retainer, and no charge for the initial review. Our compensation is contingent: we are paid a percentage of the premium savings the review actually produces for you, at the rate stated in your engagement agreement.

A fee becomes payable only after a correction has been approved by the carrier or rating bureau and the resulting credit, refund, or reduced billing has been issued to you. It is calculated on the verified savings from findings we identified and filed. If a review produces no approved correction, you owe us nothing. We do not charge for savings we did not produce, and we take no commission, override, or other compensation from any insurance carrier, broker, or agent in connection with your account.

Invoices are due on the terms stated in your engagement agreement. Because there is no upfront charge, there is nothing to refund; if you believe a fee was calculated on savings Koala did not produce, tell us and we will review the calculation and correct it.

We cannot promise a recovery, and we do not. A dispute filing is a request, not a decision. Every correction we recommend is subject to review and approval by your carrier, the applicable rating bureau, or the state insurance regulator, and each of them applies its own manual rules, evidentiary standards, and revision windows. A filing can be denied, reduced, or ruled out of time for reasons entirely outside our control, including how far back a bureau permits an experience modification to be revised and whether the underlying records support the correction.

Any savings figure we share before a correction is approved (in a preliminary review, a proposal, or a findings report) is an estimate of exposure, not a promise of recovery. Nothing on this site or in any Koala document is a guarantee of premium reduction, refund, or a particular experience modification.

To perform the review we need records from you. These usually include payroll registers and wage detail, federal and state payroll tax filings (such as IRS Form 941 and state unemployment wage reports), your general ledger or job cost detail, policy declarations and endorsements, carrier audit worksheets and final audit statements, loss runs, experience modification worksheets, job descriptions, and certificates of insurance for subcontractors.

You warrant that the payroll, tax, loss, and policy data you submit is accurate, complete, and unaltered, that it is the same data reported to your carrier and to taxing authorities, and that you have the right and the authority to provide it to us, including any employee information contained in payroll records, wage reports, and loss runs. Our findings are only as good as those inputs. Incomplete, inconsistent, or inaccurate records produce unreliable findings, and can cause a filing to be denied or withdrawn. You remain responsible for the accuracy of anything filed in your name.

Findings are not filed automatically. Every finding, together with the calculation and rule citation supporting it, goes through internal review before it is included in a dispute filing or submitted to a carrier, rating bureau, or regulator.

We describe that as internal review and nothing more. We do not represent it as review by a licensed, credentialed, or accredited professional, and you should not assume that it is. Where your situation calls for licensed or credentialed advice, engage your own attorney, CPA, or licensed agent or broker.

We act only on your written authorization. Where a carrier or rating bureau requires a letter of agency, an authorization to release records, or a designation of Koala as your representative for a specific matter, you sign it and you can revoke it. You review and approve each filing before it is submitted, and nothing goes out in your name that you have not approved. You may direct us to stop pursuing any finding at any time.

Using Koala does not create an attorney-client, accountant-client, agent-client, broker-client, or fiduciary relationship. Nothing we produce is legal advice, tax advice, accounting advice, or a recommendation to buy, keep, or change any insurance policy. We do not represent you in litigation or in an administrative hearing. For advice about your specific legal, tax, or coverage position, consult your own attorney, CPA, or licensed agent or broker.

We treat your payroll, tax, loss, and policy records as confidential business information. We use them to perform the review, to prepare and support filings you authorize, and for no other purpose. We do not disclose them to your carrier, broker, or any third party except as needed to pursue a filing you have approved, as our Privacy Policy describes, or where the law requires it.

You agree not to submit falsified or altered records, not to use Koala to support a misrepresentation to a carrier, rating bureau, or regulator, and not to resell or redistribute our findings reports as your own work product without our written agreement. We may decline or withdraw from an engagement where we believe a filing would rest on inaccurate data.

To the fullest extent permitted by law, Koalais provided "as is" without warranties of any kind, and Abhinav Alwarappan is not liable for any indirect, incidental, consequential, or punitive damages, for lost profits or lost savings, or for the outcome of any audit, dispute, or rating decision. Our total liability for any claim relating to the service is limited to the fees you actually paid us in the twelve months preceding the event giving rise to the claim.

Either of us may end the engagement on written notice. Termination does not affect fees already earned on corrections approved before termination, or on filings we submitted that are approved afterwards, as your engagement agreement provides. We may suspend or terminate access if these Terms are violated or to comply with the law.

These Terms are governed by the laws of Texas, without regard to conflict-of-law rules. Disputes will be resolved in the courts located in Texas, unless applicable law requires otherwise.

Questions about these Terms? Email koala.insurance.help@gmail.com.