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The Employee Retention Credit (ERC) is one of the most heavily scrutinized business tax credits, with IRS scrutiny expected to continue through 2030. Audits are routine; they don’t mean your claim was filed incorrectly, but they can still bring significant cost and stress.
Harbor Shield shifts that risk off your shoulders. Our ERC audit defense covers up to $50,000 per occurrence, per quarter, in legal costs, provides direct access to seasoned tax attorneys and guarantees your protection for the full audit window. No surprise bills. No scramble for representation. Just complete confidence that if the IRS comes calling, your ERC filing is defended from day one.
The IRS has flagged ERC filings as one of the highest-risk tax credits.
Claims can be audited through 2030, even after refunds have been received.
Defending an ERC claim without coverage can cost tens of thousands in attorney fees.
Up to $50,000 per occurrence, per covered quarter, in attorney fees.
Direct access to specialists with proven IRS audit defense experience.
Audit-ready checklists, transcript monitoring and documentation
guidance.
Protection against IRS and state audits tied to your ERC claim.
Predictable, fixed-cost coverage. No exclusions, no unexpected invoices.
Small and midsize businesses claimed billions in ERC credits. However, they’re also the most likely to face an IRS audit. Harbor Shield provides SMB owners with peace of mind through predictable, affordable audit defense that lasts the full statutory window.
Whether you claimed one quarter or all seven, you can choose the coverage that matches your filings.
There’s no such thing as “Audit insurance” in the tax space. Harbor Shield is the first solution of its kind: A contractual guarantee that fully covers the cost of your IRS audit defense. Unlike E&O insurance (which only protects the preparer if they made a mistake), Harbor Shield protects you, the business, from day one.
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Pays up to $50,000 per occurrence, per quarter, in real legal defense costs.
Provides direct access to seasoned tax attorneys with proven IRS defense experience.
Locks in a fixed cost, so you’ll never face hidden exclusions or surprise legal bills.
Harbor Shield is not an insurance company. Coverage is delivered through contractual guarantees, fully backed by insurance.
The IRS has flagged ERC as one of the highest-risk credits because of its size and popularity during the COVID-19 relief. Small and midsize businesses claimed billions and, unfortunately, some bad actors filed questionable claims. Even if your filing was accurate, the IRS can still review it. Harbor Shield gives you ERC audit defense, so you’re protected no matter what.
If you receive an audit notice, Harbor Shield activates immediately. You’ll be connected with a vetted IRS audit attorney who specializes in ERC cases. You hire them directly to maintain your privilege, and Harbor Shield covers their invoices up to your guarantee limit. That means no scrambling to find help or worrying about unexpected legal bills.
Not at all. Your CPA or payroll provider may have prepared your ERC claim, but most don’t offer tax audit protection services. Harbor Shield doesn’t replace their work; it adds a protective shield over it. Think of it as insurance for the legal fight, not a replacement for your preparer.
The IRS can audit ERC claims through 2030, even if you filed years ago. That’s why Harbor Shield locks in coverage for the entire statutory audit window, so you’re never left unprotected.
No. Traditional audit insurance often only provides advice or limited prep help. Harbor Shield is different; it covers actual legal defense costs, connects you with top IRS audit attorneys and guarantees that you won’t face surprise legal bills during an ERC audit.
Yes. Coverage is issued by quarter, so you can protect just one, several or all of your ERC filings. Many businesses start with their largest credit quarters and expand coverage over time.
IRS audits are routine. Legal bills 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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