GUIDE
The carrier audit preparation guide.
Insurance audit preparation is the process of organizing and reviewing the information an insurer needs to verify the actual exposure used to calculate a commercial insurance premium. Audits commonly compare estimated exposure at the start of a policy term with actual payroll, sales, subcontractor costs, or other rating information during the policy period. Preparing accurate records before an audit can reduce surprises, identify discrepancies, and help ensure the final premium reflects the business's actual exposure. Businesses should gather relevant financial, payroll, sales, subcontractor, and insurance records and review them for consistency before submitting them to the carrier.
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WHAT'S INSIDE
Walk into the audit ready.
01
What an auditor is actually checking
The handful of things that drive your final number.
02
The records to gather first
Payroll, certificates, and contracts, organized before they ask.
03
How payroll and subcontractors get classified
The classification mistakes that quietly raise your premium.
04
The errors that cost owners the most
Common slip-ups, and how to catch them in advance.
05
How to respond and dispute
What to say, and what to push back on, if the number looks wrong.
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