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Workers Comp Audit Review

Facing an audit or a surprise premium bill?

Workers comp audits are where contractors get blindsided: misallocated payroll, wrong class codes, or uninsured subcontractors added to your policy. If an audit notice or premium adjustment does not look right, we will help you review it.

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A workers comp audit review checks the auditor's class codes, payroll allocation, and treatment of subcontractors against how your business actually operated, so you do not overpay or get charged for uninsured subs. It is most useful when you receive an audit notice or a premium adjustment.

Where audit bills come from

The year-end audit trues up estimated premium against actual payroll and reviews subcontractors. Surprise bills come from payroll in the wrong, higher-rated code, field labor misallocated, and uninsured subs whose payroll the auditor adds to your policy. Each is reviewable and fixable when caught.

What we review

We compare the audit's class codes and payroll to the work your people actually did, check whether subcontractors were credited for their own coverage, and look for owner or executive payroll that may be capped. Where the audit is wrong, there is a dispute process, and we help you present the documentation.

How to use this

Send us the audit worksheet and your records. We tell you whether it looks right and what to dispute. Going forward, accurate classification and verified subcontractor certificates keep the next audit clean.

Frequently asked

Common questions.

Why did my audit increase my premium?
Usually higher-than-estimated payroll, payroll in the wrong class code, or uninsured subcontractors added to your policy. Each is reviewable.
Can I dispute a workers comp audit?
Yes. If class codes or payroll were applied incorrectly, there is a dispute process. Accurate records and verified sub certificates support the correction.
How do I keep subs off my audit?
Collect and verify certificates showing each sub's own workers comp before they work. Uninsured subs can be charged to your policy.
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Audit bill look wrong? Let us check it.

Class codes, payroll allocation, and uninsured subs are where audits go wrong. We review the worksheet against how you operated.

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We check class codes and payroll allocation
We confirm subcontractors were credited
We help you dispute errors
You get a clear read, no obligation
Related resources

Keep going.

Coverage

Workers Compensation

How class codes and audits work.

Service

Subcontractor Review

Verify sub coverage first.

Service

Coverage Review

A full read of your program.
Independent, contractor-first

Do not overpay on an audit.

Send us the audit worksheet and we will tell you whether it is right and what to dispute.

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