Plain-English help on the stuff that causes surprise audit bills — subcontractor COIs, class codes, owner caps, and overtime.
Paying a sub on a 1099 doesn’t make the workers’ comp exposure disappear. Here’s who needs coverage, and why it lands on your audit if they don’t have it.
6 min read · Read →Workers’ comp rates vary up to ~5× across states. Here’s why the same uninsured subcontractor costs far more in some states — and what drives it.
6 min read · Read →Got an audit bill that looks too high? You can dispute it. Here’s the step-by-step, what counts as a valid challenge, and the deadlines that matter.
6 min read · Read →Got a surprise workers’ comp audit bill? Uninsured subcontractors are the #1 cause. Here’s exactly how it happens and how to stop it.
6 min read · Read →A practical, contractor-focused checklist to prepare for your workers’ comp premium audit and avoid overpaying.
7 min read · Read →A certificate of insurance on file doesn’t automatically exclude a subcontractor. Here are the three conditions that decide it.
5 min read · Read →Surprise audit bills go both ways. Three common workers’ comp audit overcharges — misclassification, owner caps, and overtime — and how to catch them.
6 min read · Read →One email when the connect-your-payroll version ships.