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Ten Commandments for an Insurance Audit

In over 21 years as a Certified Workers Compensation Agency, one of the biggest sources of frustration for our workers comp clients is an audit that results in an unexpected, large additional premium. In helping you properly manage your workers comp program, its critical that you remember the Ten Commandments for an Insurance Audit listed below:

  1. Thou Shalt Not be Unprepared
  2. Thou Shalt Not Forget to be There to Answer Questions
  3. Thou Shalt Not Answer Any Questions that are Not Asked
  4. Thou Shalt Not Forget to Review Your Policies Being Audited Two Weeks Before Auditor Arrives
  5. Thou Shalt Not Forget to do a Payroll Breakdown – by Class Code / by Department or by Job Duties
  6. Thou Shalt Not Forget to Separate Owners, Officers, Clerical, Outside Sales and Drivers Payrolls; or Any Other Employee(s) that you Feel Should Not be Classed to the “Governing” Class Code
  7. Thou Shalt Not Forget to Have Certificates of Insurance for Subs on Hand for the Audit
  8. Thou Shalt Not Forget to Have the Definitions of Payroll, Sales, Sub Contract Cost, etc “On Hand and Reviewed” Before Auditor Arrives
  9. Thou Shalt Not Fail to Ask Auditor to Recap the Audit Findings Before He/She Leaves
  10. Thou Shalt Not Forget to Ask for a Copy of the Audit


If you would like to discuss any aspect that affects your Workers Comp coverage and premium, here are 4 easy ways to reach us:
Phone: 877-994-6787
Text: 951-482-8144
Email: [email protected]

Here are some kind words from a business that trusts Stromsoe Insurance Agency:
“Ann Pederson helped me out with a client who waited until the last minute to bind their workers’ compensation insurance policy. She was determined and helped the client get the required coverage and even assisted me in getting me the information I needed to prepare the hiring documents. She also worked hard to obtain the best rate for the client.”
Daneen Ashworth – CompassHR Inc. – Murrieta, CA – Client Since 2017

The CorrectComp system is a division of Stromsoe Insurance Agency

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