If a subcontractor can't prove their own workers' comp coverage, your auditor can add what you paid them to your payroll — at your trade's class rate. Estimate that exposure in 30 seconds.
Estimated extra premium at audit
$0
Enter your numbers above.
Uninsured / undocumented sub payments$0
÷ $100, × your state class rate ($0.00)$0
× experience mod×1.00
Estimated additional premium$0
⚠️ Planning estimate, not a quote. Base class rates are actual 2024 Florida NCCI manual rates (FL files full approved rates by class); we scale them to your state by each state's 2024 premium index from the Oregon DCBS Premium Rate Ranking study (Florida = 1.00 baseline). Select Florida to see its real published rates. Your actual rate is set by your state bureau (NCCI / WCIRB / etc.), your carrier's loss-cost multiplier, and your experience mod — and monopolistic-fund states (ND, OH, WA, WY) use separate systems. Not insurance, coverage, or legal advice; it shows the order of magnitude an uninsured sub can cost you.
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We're building the tool that connects your QuickBooks/Gusto + subcontractor payments and flags these gaps all year, then hands you an audit-ready binder. Get early access + we'll email you your exposure summary.
We also catch the other audit overcharges: class-code misclassification, owner/officer payroll caps, and overtime "excess" you shouldn't be paying premium on.