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Harbor Shield provides IRS Audit Defense that goes beyond traditional audit insurance. We deliver tax audit protection services that cover legal costs, connect you with expert IRS audit attorneys and guarantee full audit coverage with no hidden fees.
Whether you need ERC audit defense, R&D tax credit audit protection, FICA Tip Credit coverage, or support around MEC plan audits, Harbor Shield ensures you’re protected through the full IRS audit window.
We pay your legal defense costs during an audit.
Your case is handled by top specialists, not call-center advisors.
Daily transcript monitoring and compliance checks.
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Fixed-cost protection you can count on.
Harbor Shield protects businesses from the most common IRS audit triggers, with a tailored path for each type of claim or benefit.
Protect your Employee Retention Credit filings through 2030 with insured, attorney-led defense.
Claim innovation credits with confidence and offer clients guaranteed audit protection on top of your work.
Built-in IRS audit defense for Minimum Essential Coverage (MEC) insurance providers. Harbor Shield sells MEC coverage to carriers and benefits platforms, not directly to individual companies. Employers and their employees benefit automatically when their MEC plan includes Harbor Shield.
Service industry employers, from restaurants and bars to hotels, resorts, spas, salons, golf clubs, event venues and beyond, can file with confidence using Harbor Shield’s defense guarantee.
We’ll help you find the right path whether you’re a carrier, CPA, payroll
provider, or credit specialist.
No matter how you access Harbor Shield, the guarantee is the same: your legal defense costs are covered for the full statutory audit window, with no surprise bills.
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Small and Midsize Businesses: Affordable, predictable audit protection for every filing.
CPAs and Credit Specialists: Add trusted audit defense to your client services.
Strategic Partners: Payroll, benefits and compliance providers embed Harbor Shield to reduce client risk.
Protects the tax preparer, not the business.
Only applies if the preparer made a mistake.
Still leaves you paying audit costs up front.
Cover your legal defense costs directly. No upfront spend.
Provide access to seasoned IRS audit attorneys.
Lock in fixed, predictable costs with no hidden exclusions.
Harbor Shield coverage includes full legal defense costs if your business is audited by the IRS or a state tax authority. This applies to credits and filings such as the Employee Retention Credit (ERC), Research & Development (R&D) credits, Minimum Essential Coverage (MEC) plans and the FICA Tip Credit. In addition to paying your attorney invoices, Harbor Shield also provides daily IRS transcript monitoring, which can detect early signs of inquiry months in advance. This proactive layer gives you peace of mind, knowing that if the IRS comes knocking, you’ll already have expert representation and guaranteed funding in place.
For ERC filings, Harbor Shield coverage is typically valued at $2,500 per quarter, providing up to $50,000 in legal defense protection per occurrence for the full IRS audit period (currently through 2030).
In most cases, this cost is already built into your tax firm’s service fees or included within your carrier’s coverage, so there’s no separate bill or unexpected expense for the business. This ensures simple, transparent protection with no hidden exclusions or surprise invoices. Discounts are available when multiple ERC quarters are covered, making it easy to scale protection affordably.
Your protection lasts for the entire statutory audit window, which means you stay covered long after your original filing. For the Employee Retention Credit, the window of eligibility extends through 2030, providing years of security with a single enrollment. Harbor Shield locks in your defense from day one, so even if the IRS sends a notice years later, your audit protection is already active. No scrambling, no gaps, no expiration before the audit window closes.
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