What the audit reviews
A workers compensation premium audit reconciles business activity during a completed policy period with the information used to estimate the original premium. The auditor may review payroll, employee classifications, subcontractor payments, insurance certificates, and tax or accounting records.
Why subcontractors matter
Payments to subcontractors may require additional review when insurance evidence is missing or does not cover the full period worked. Keep payment amounts, work dates, and confirmed certificate details together.
Prepare before the request is due
Confirm the deadline, collect each required document group, review date gaps, and keep a record of the exact package submitted.
Continue preparing
- Workers Comp Audit Checklist: Records to Collect
- Subcontractor Insurance Audit Checklist
- How to Prepare for a Workers Comp Audit
- Payroll Records for a Workers Comp Audit
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