When Does a Workers’ Comp Audit Happen? Timing and What to Expect

“When does the audit happen?” is one of the first questions new policyholders ask. The timing is predictable once you know how it works — and knowing it lets you have records ready instead of scrambling.

The trigger: your policy period ending

A premium audit is tied to the end of each policy term. When the policy expires or renews, the carrier kicks off the audit to reconcile estimated payroll against what you actually paid. What the audit is →

How soon after the policy ends

Most audits begin within about 30–90 days of the policy period ending, though it varies by carrier and audit type. You’ll get a request — a form to complete, a call to schedule, or notice of a visit.

How long the audit takes

• Mail/voluntary audit — as fast as a day or two once your records are assembled. How to fill out the form →
• Phone audit — a scheduled call plus document submission.
• Physical audit — a single visit, with any follow-up requests after.

What determines the length isn’t the type — it’s whether your documents are organized.

Your first one comes fastest in feeling

Because the first policy year’s estimate was a pure guess, your first audit tends to produce the biggest swing. Don’t let the timing surprise you.

Be ready before the request arrives

Keep payroll, tax filings, and especially subcontractor COIs organized year-round so the audit is a formality. The prep checklist → · Check your subs now →

General information for contractors, not insurance advice. Audit timing varies by carrier and state — confirm yours.