Start with 3 bills

Forensic audit for commercial property, liability, and employee benefits.

Costivra analyzes policy declarations, payroll classifications, experience modifications, SERFF state rate filings, and PBM spread economics to spot quiet premium creep and coverage gaps.

Start with 3 bills See what a bill review looks like
DocumentOrganizationPolicyApproval

Controls should be visible in the workflow, not buried in a promise.

Access, authority, and accountability are separate layers. That means a file cannot create permission, and permission cannot silently become an external action.

Property & liability rate audit

Audit rate per $100 TIV, coinsurance risk, schedule debits, and surplus lines tax calculations against filed SERFF baselines.

Workers comp payroll class code audit

Verify clerical/sales payroll split rules, experience mod accuracy, and governing class codes before audit bill shocks.

Group health & PBM economics

Audit enrollment tier changes, terminated employee lag, stop-loss laser clauses, opaque pharmacy rebate spread, and broker fee disclosure or commission transparency.

Insurance & benefits intelligence

Rate filings and payroll rules define the truth.

Insurance costs cannot be evaluated by premium total alone. Costivra evaluates TIV, class codes, payroll basis, and state filings to ensure every dollar is earned and compliant.

  1. 01

    Classify

    Extract policy declarations, payroll splits, experience mods, and tier rosters.

  2. 02

    Audit

    Cross-reference state SERFF filings, NCCI rules, and contract endorsement language.

  3. 03

    Optimize

    Adjust deductibles, reclassify misassigned payroll, and negotiate terms backed by evidence.

A deliberate first step

Audit your active commercial policies.

Upload policy declaration pages or renewal packets to run a forensic insurance audit.

Start an insurance audit