Got a surprise bill after your insurance audit? We can help.
At the end of each policy term, carriers audit your payroll, sales, or subcontractor costs to figure out your final premium. When the numbers come back wrong, a business can get an additional premium bill it didn't expect. Common causes are employees placed in the wrong class code, uninsured subcontractors counted as payroll, or overtime charged at full rate.
ISW Insurance Solutions helps you:
Prepare before the audit
We walk you through what the auditor will ask for, so your records are organized and your classifications are right from the start.
Review your audit results
We go line by line to check class codes, payroll figures, and subcontractor treatment.
Gather the right documentation
Certificates of insurance from your subs, payroll breakdowns, and job descriptions often make the difference.
Work with the carrier on disputes
If something looks wrong, we help you request a review and push for corrections.
Prevent it next year
We adjust your policy estimates and set up simple habits, like collecting sub COIs up front, so the next audit goes smoothly.