Strength in Relationships and the Power of Proactive Auditing in Workers’ Compensation and General Liability: Target Markets Key Takeaways

Shared Responsibilities 

Regulatory interpretation, data transparency, and audit readiness are no longer “check-box” exercises, they’re shared responsibilities. When carriers and partners bring their expertise together early in the process, they create a foundation for both compliance and innovation. The Summit highlighted this collective mindset more clearly than ever before. 

Throughout the conference, I was repeatedly asked what differentiates Pro Global from other service providers in our space. My answer was the same each time: it’s our people, and the way they walk alongside our clients. We don’t just talk the talk, we’re on the ground solving real problems.  

Our subject-matter experts lead with experience earned through decades of auditing, underwriting, and claims work. They understand the business, the regulatory framework, and the human factors that influence how policies perform in the real world. That partnership approach, combining technical precision with hands-on collaboration, is what allows us to deliver measurable impact, not just reports and recommendations. 

A Fast-Moving Market 

The insurance market continues to evolve at speed. Strategies and risk appetites are shifting in response to economic pressure, capacity changes, and new classes of exposure. But whatever shape that evolution takes, one thing remains constant: sound governance depends on good dialogue. Embedding regular, proactive review and audit processes is no longer optional, it’s a strategic necessity. Whether you’re a carrier, MGA, or service provider, your guidelines, controls, and partnerships must evolve with the market, and they must be tested and validated continuously. 

Our own recent data reinforces just how powerful that proactive approach can be. As we shared during the event, US insurers adopting proactive Workers’ Compensation and General Liability premium audits are unlocking up to 18% additional premium, revenue that would otherwise be lost to misclassification, payroll underreporting, and missed rating-bureau requirements.  

Just as importantly, the conversations at Target Markets reflected how audit excellence extends beyond any single service line. Alongside Workers’ Compensation and General Liability, we saw growing interest in how MGA audits, TPA reviews, and Claim Peer Review programs can strengthen governance, identify inefficiencies, and improve technical accuracy across the entire value chain. Carriers and program administrators are increasingly recognizing that proactive audit strategies – across underwriting, claims, and delegated authority – are critical, holistic tools for ensuring compliance, consistency, and profitability in a fast-changing market. 

These audits aren’t simply financial exercises; they’re confidence-building tools. They enhance underwriting accuracy, reduce disputes, and strengthen compliance. They give carriers and brokers the assurance that exposures are being reported correctly and that their portfolios are performing as intended. 

Accuracy and Collaboration 

The takeaway from Target Markets was clear: in a competitive and regulated market, confidence is built on data accuracy, proactive communication, and trusted partnerships. The conversations in Arizona reinforced that the most effective organizations are those investing in integrated audit strategies that span MGA operations, TPA oversight, and claims governance.  

Aligning these disciplines under a common purpose is helping carriers, MGAs, claims professionals and program administrators achieve greater visibility, stronger controls, and shared accountability. These are valuable conversations well worth having, and resulting in direct improvements on the ground. We look forward to keeping the momentum going. 

Many thanks to the organizers for an engaging event – see you next time!