A premium auditor checks four things: your subcontractors, payroll & overtime, owner/officer pay, and classification. Answer 10 quick questions to see how ready you are — and where you’re exposed.
Subcontractors
You collect a Certificate of Insurance from every subcontractor before their first payment.
You verify each COI shows a workers’ comp line — not just general liability.
You check that each COI’s dates cover the entire period the sub worked for you.
You re-collect a certificate whenever a sub’s coverage expires mid-project.
Payroll & overtime
Your payroll totals reconcile to your 941s, W-2/W-3, and state filings.
You separate overtime so only straight-time wages are charged (overtime “excess” removed).
Owner & officer
You know your state’s owner/officer payroll cap and apply it (instead of the full salary).
Classification
You have written job descriptions / duty breakdowns supporting each class code.
You’ve reviewed your class codes in the last 12 months for misclassification.
You keep audit documents organized year-round, not scrambling the week before.
Your audit readiness
0 / 100
Answer the questions above to get your score.
⚠️ A self-assessment to help you prepare — not a guarantee of audit results, and not insurance or legal advice. The four areas reflect what premium auditors commonly review; rules vary by state.
Get your personalized fix-it checklist
We’ll email your score plus a step-by-step checklist for the areas where you’re exposed — and early access to the tool that keeps you audit-ready all year.