Your audit came back higher. See what your own numbers say.

Answer the questions below with the payroll, subcontractor and policy information you already have. You'll get an initial finding based on your figures before you're asked for your name, phone or email.

The result is specific to what you enter. If you want the full action report afterward, you can choose that next.

An audit lands after the year it is measuring.

Audits arrive at the end of a policy period, often after you have already renewed, which is why the bill can feel disconnected from the decisions that produced it. A bill can grow for several separate reasons: payroll came in above the estimate, work was classified differently than expected, or a subcontractor could not be shown as insured for the dates he worked. Which of those moved your number is a factual question, and your own figures and documents answer it.

The audit bill was larger than you planned for
Payroll or class codes were adjusted on the audit worksheet
You were charged for a subcontractor you thought was covered

Put your own figures next to the audit.

This starts with the account. The audit worksheet is what the broker reads next, line by line.

The policy

State, annual payroll, and the cost on that policy.

The audit

What the statement changed, if it says, and the bill it produced.

The documents

The audit worksheet, your declarations page with payroll per class, your payroll records for the term, and certificates for any subcontractors.

You find out whether there is anything in the audit worth taking up.

The broker reads the worksheet against your payroll records and your class codes, then tells you plainly whether there is anything worth taking up and what taking it up involves. If the audit is right, he says so.

Check my audit