Workers' compensation
Premium audits
At the end of each policy term, the insurer compares estimated payroll with actual payroll.
- Keep payroll by class code
- Collect certificates from every subcontractor
- Separate overtime premium pay where allowed
- Report new operations promptly
Frequently asked questions
Why is my policy audited?
The initial premium is based on estimates; the audit uses actual payroll.
What do auditors ask for?
Payroll records, tax forms, and subcontractor certificates.
Can I dispute an audit?
Yes, through your insurer and state processes.
More coverage and guides
- Workers' compensation insurance
- Employers' liability
- Class codes and payroll
- Certificates and compliance
- Multi-state payroll
- Lower-hazard employer classes
- Class codes by industry
- Experience mods explained
- Return-to-work programs
- Premium audits
- Application checklist
Last updated October 15, 2026 · How we research