Audit Shield

Workers Comp Audit Guide for 1099 Contractors

Prepare contractor payments, work dates, and insurance evidence without treating estimated exposure as a final premium determination.

Updated August 29, 2026

List every contractor payment

Record the payee, total paid, payment dates, and the period when work was performed.

Collect insurance evidence

Attach confirmed certificates of insurance and compare policy dates with the work period rather than relying on a filename or upload date.

Explain documentation gaps

Flag missing, expired, and partial coverage for review. The insurer or auditor determines the final treatment of each payment.