The policy
State, annual payroll, and what you pay on that same policy.
Workers' compensation
Your audit is coming. See what your numbers may mean.
Answer the questions below using the information you already have. You'll see an initial finding based on your numbers before you are asked for your name, phone, or email.
If you want the full action report, you can choose that next.
An audit is easier to get right before it is done than after.
Most of what an audit examines is your own record keeping: how payroll was allocated across class codes, how overtime was reported, how officers were treated, and which subcontractors you can show were insured for the dates they worked. Sorting that out while there is still time is ordinary work. Explaining it after the statement arrives is a different job.
- Your policy term has ended and the audit request has not arrived yet
- The audit request is in hand with a deadline on it
- Payroll grew during the term through hiring or overtime
Start with the figures the audit is going to compare.
This reads figures you already have. The documents are what let the broker check the payroll split before the auditor does.
The term
When your policy period ended, and whether the audit request has arrived.
The documents
Your declarations page with class codes and payroll per class, your payroll records for the term, and certificates for any subcontractors you used.
You go into the audit knowing where your figures stand.
The broker reviews the payroll split, the class codes, how officers were treated and the subcontractor certificates, then tells you what is worth straightening out while there is time. If your payroll came in close to what the policy estimated, that is the answer and he says so.