Free workers' comp audit estimator

How much could your workers' comp audit cost?

Enter payroll by class from your declarations page, plus overtime and payments to uninsured subs. See the estimated additional premium or refund, line by line, and the three things to fix before the auditor arrives.

Payroll by class code

Copy the estimated payroll and rate for each class from your policy's declarations page (the page that lists your class codes, payroll and rates), then enter what you actually paid during the policy period.

Class code OptionalEstimated payroll on policyActual payrollRate per $100 (USD)

Policy and payroll details

Experience modA number your carrier sets from your past claims, like 0.92 or 1.15. It is on your declarations page. Use 1.00 if you don't have one.State OptionalOvertime pay included in actual payrollMy state excludes the overtime premium (most NCCI states do)NCCI is the rating bureau that sets workers' comp rules in most states. Not sure about yours? Ask your agent.Paid to subs without a certificate of insuranceA certificate of insurance (COI) is a sub's proof that they carry their own workers' comp. Enter the total you paid during the policy period to subs with no valid COI on file.Owner or officer pay included in actual payrollOwners or officers are excluded from coverage on this policy

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This is an estimate, not insurance or legal advice. Rules vary by state and carrier, and only your carrier's audit sets the final bill. Ohio, North Dakota, Washington and Wyoming run state funds with their own rules.

Questions about the audit bill

How is a workers' comp audit bill calculated?

Each class code is billed as payroll divided by 100, times the class rate, times your experience mod. At audit the carrier swaps the estimated payroll on your policy for what you actually paid, adds payments to uninsured subcontractors, and bills or refunds the difference.

Why do uninsured subcontractors raise the bill?

If a sub cannot show a certificate of insurance for the policy period, most carriers treat what you paid them as your own payroll. Many charge it at the highest class rate on the policy.

Is overtime pay included in a workers' comp audit?

Overtime wages count, but most NCCI states exclude the premium portion: the extra half of time-and-a-half pay. You usually need payroll reports that show overtime separately to get that credit.

Is this estimate what my carrier will bill?

No. It is a planning estimate from the numbers you enter. Carrier rules, state rules, minimum premiums, taxes and fees can change the final bill. It is not insurance or legal advice.