Workers' Compensation Premium Audit Help
Your workers' comp insurance company audits your payroll and subcontractor payments to set your final premium. Lion Business Services helps you get ready and respond: we organize payroll, 1099 and certificate-of-insurance records, review the auditor's findings and prepare your response with documentation. If your books need work, we can do that too. Built for contractors and small businesses, in English and Spanish.
What's included
- Audit preparation and document checklist
- Payroll and 1099 reconciliation
- Certificates of insurance for your subcontractors
- Review of job classifications and the auditor's findings
- Written response with supporting documentation
- Assistance during the audit
- Bookkeeping clean-up, if needed (separate engagement)
What to bring
- The audit request or audit results
- Your policy and declarations page
- Payroll reports and payroll tax returns
- 1099s and a list of subcontractors
- Certificates of insurance from your subcontractors
- Bank statements or general ledger
How it works
- Workers' Comp Audit Discovery: we review the audit and your records (bookkeeping is not included)
- You receive a written discovery with what to fix and what to send, usually within 1–2 business days
- No obligation. If you hire us, the discovery fee is credited to the engagement
- We prepare the documents and your response
- We help you through the audit and review the final statement
Frequently asked questions
Why did my premium go up after the audit?
Common reasons are subcontractors without their own workers' comp insurance being counted as your payroll, or workers placed in the wrong job classification. We compare the audit with your records.
Does the discovery include bookkeeping?
No. The Workers' Comp Audit Discovery reviews your situation and documents. If your books need work, bookkeeping is quoted separately.
Can you guarantee a lower premium?
No. The insurance company decides the final premium. We make sure your payroll and subcontractor records are complete and presented correctly.
Auditoría del seguro de compensación al trabajador (workers' comp)
Su compañía de seguros audita su nómina y los pagos a subcontratistas para fijar la prima final. Le ayudamos a prepararse y responder: organizamos la nómina, los 1099 y los certificados de seguro, revisamos los hallazgos del auditor y preparamos su respuesta con documentación. Si sus libros lo necesitan, también los ponemos al día. Ideal para contratistas.
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