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Harbor Shield is the only multiproduct IRS audit defense platform, protecting ERC, R&D, MEC and FICA Tip credits.We cover up to $50,000 in legal fees, monitor transcripts daily and connect you with vetted tax attorneys, so you’re never left scrambling.
Routine Audits. Extraordinary Costs.
IRS audits are routine, not accusations of fraud. However, they can take months and cost tens of thousands of dollars to defend. With Harbor Shield, audits don’t derail your business.
One Process. Full Protection.
Choose the credits and quarters you want to cover. Sign the Harbor Shield contract and IRS forms.
From that starting point, Harbor Shield provides daily active monitoring of your IRS file, often identifying audit inquiries or enforcement activity months before a notice is ever issued. This constant vigilance ensures you’re never caught off guard.
We run an initial, comprehensive scan of IRS transcripts tied to your ERC filing. This isn’t a gatekeeping requirement; coverage is issued as soon as your tax work is completed or a new MEC plan is added. Instead, this scan provides a clean starting point for monitoring, confirming that there are no active audits or red flags already in place.
If audited, you’re connected to vetted attorneys. You hire them directly (privilege intact), and Harbor Shield covers invoices up to $50,000.
Audit Armor for Every IRS Credit
Protect past ERC claims through 2030.
Safeguard complex innovation filings.
Enables employers to confidently expand their benefit offerings while ensuring full protection for Section 125 compliance across their entire benefit structure.
Gives eligible service industry companies peace of mind by removing the cost and burden of defending against IRS audits.
Built for IRS Defense. Backed by Experts.
Up to $50,000 per audit covered.
Fixed pricing (5% of covered risk).
Vetted audit attorneys with real IRS experience.
Daily transcript monitoring and early alerts.
Not insurance. Contractual guarantees, fully insured by Madison Insurance Group.
Built for Businesses, Advisors and Partners
Protect your ERC, R&D, MEC and FICA Tip filings.
Offer audit defense that protects your clients (and your reputation).
Keep innovation credits secure.
Remove audit fears that block adoption.
Give clients confidence to claim credits without hesitation.
Harbor Shield provides contractual guarantees. Clients retain their own attorneys directly, preserving attorney-client privilege while Harbor Shield covers the costs.
No. Harbor Shield is not traditional insurance, it’s a contractual guarantee that shifts the financial risk of an IRS audit away from you. All Harbor Shield contracts are 100% insured, ensuring your legal defense costs are covered up to the stated limits. If the IRS comes calling, your attorney’s invoices are paid within policy terms, with no surprise bills or added steps for you.
Absolutely not. Most IRS audits or inquiries occur on correctly filed claims - they’re a normal part of the review process, not a sign of error or wrongdoing. Even perfectly prepared filings can be selected for examination, and defending them can cost tens of thousands in legal fees. Harbor Shield ensures that if your claim is reviewed, you’re already protected with attorney-led defense and insured legal coverage, so you never face that risk alone.
For ERC coverage, pricing is about $2,500 per quarter you want protected, which is roughly 5% of the covered legal defense guarantee. Discounts apply when you bundle multiple quarters, and coverage is also available for other programs like MEC, FICA Tip Credit and R&D, each structured according to its plan. One predictable cost, no hidden fees and no surprise invoices.
Your Harbor Shield agreement lasts for the full statutory audit window. For the ERC, that’s through 2030. Once you enroll, your protection is locked in, giving you long-term confidence that you’ll never be left exposed, even years down the line when most people have forgotten about their original filing.
We’ve vetted and partnered with top tax attorneys who specialize in IRS audits, not generalists or call-center “advisors.” You hire them directly, which maintains your attorney-client privilege. Harbor Shield covers their invoices up to your guarantee limit.
IRS audits are routine. Legal bills and finding qualified attorneys don’t have to be. Harbor Shield gives you protection, monitoring, and expert defense for ERC, R&D, MEC and FICA Tip credits.
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