Before your audit starts, we help you:

• Organize payroll records

• Verify job classifications (class codes)

• Separate clerical, sales, and field employees

• Review 1099 and subcontractor documentation

• Confirm owner/officer exclusions

• Prepare COIs for subcontractors

• Identify exempt payroll categories

This prevents unnecessary charges.

We guide you through the entire process, including:

• Communicating with the auditor

• Ensuring correct categories and codes

• Reviewing what documents are required

• Making sure you don’t provide more than needed

• Protecting against misinterpretation of your operations

We represent your business, not the carrier.

Once the audit is completed, we:

• Review the audit statement line-by-line

• Identify errors or inflated charges

• Compare to your original quote and payroll

• Verify subcontractor treatment

• Analyze class code accuracy

• Inspect EMOD changes

• Ensure premium calculations are correct

Most errors are found after the audit — this is where we save businesses the most money.

• Modified duty/light duty programs

• OSHA compliance improvements

These steps lower claims and reduce long-term insurance costs.

If the carrier made a mistake, we will:

• File corrections

• Submit evidence

• Request recalculations

• Challenge incorrect classifications

• Negotiate with underwriters and auditors

You don’t have to fight the carrier alone.