Trades Coverage
Get Quotes

Checklist

Workers Comp Audit Checklist

Organize payroll, class codes, sub certificates, officer status, and audit notes.

Workers Comp Audit Checklist

Organize payroll, class codes, sub certificates, officer status, and audit notes.

Checklist

Download audit checklist

Available as PDF, DOCX.

Download

Document preview

Open to inspect the generated file content.

Download audit checklist

Business and policy file

Business: ________________ State reviewed: ________________ Policy term: ________________ Carrier: ________________ Policy number: ________________ Audit date: ________________ Audit contact: ________________ [ ] Locate the policy declarations, endorsements, audit notice, prior audit billing, and class-code worksheets. [ ] Mark the payroll period the auditor requested and match it to payroll reports, tax filings, and bookkeeper records. [ ] Keep customer contracts that required workers compensation, employers liability limits, or waiver of subrogation with this file.

Payroll by class code

Create one line for each class code or work group used during the policy term. Class code or work description: Employee names: Gross payroll: Excluded overtime premium or other adjustment: State worked: Source payroll report: Questions for auditor: [ ] Export payroll registers for the full policy term. [ ] Separate payroll by state and by actual work performed, such as field work, shop, office, sales, supervision, and owner or officer pay if included. [ ] Reconcile class totals to quarterly payroll tax reports and year-end wage reports. [ ] Save job descriptions for employees whose duties changed during the term.

Subcontractor proof log

Use this log for every subcontractor paid during the policy term. Missing proof can be treated as chargeable payroll depending on state, contract, and audit rules. Subcontractor | Work performed | Amount paid | Certificate received date | WC policy term | Employers liability limits | Waiver or exemption form | Notes [ ] Confirm each certificate covers the dates work was performed. [ ] Confirm the subcontractor name matches invoices and payment records. [ ] Save state rejection or exemption forms when a subcontractor uses one instead of a workers compensation policy. [ ] List any subcontractor without proof for auditor review:

Owner and officer status

Owner, officer, partner, or LLC member | Included or excluded | State form or election date | Payroll included? | Notes [ ] Gather inclusion or exclusion forms and renewal confirmations. [ ] Match officer payroll treatment to state rules and policy records. [ ] Flag any change in ownership, title, or election status during the policy term. [ ] Note questions about minimum or maximum officer payroll for the auditor:

Employee duty map

Employee | Primary duty | Secondary duty | Location or state | Current class code or description | Change date | Supporting notes [ ] Write plain-English job descriptions for employees split between field, office, shop, sales, or supervision. [ ] Keep timesheets, job-cost reports, dispatch records, or supervisor notes that support split duties. [ ] Mark new hires, terminations, and employees who changed roles during the policy term.

Auditor questions and notes

Open items for auditor: 1. 2. 3. Documents sent: Date | Document | Sent by | Sent to Audit outcome notes: [ ] Record any reclassified payroll, uninsured subcontractor charge, or officer-pay adjustment. [ ] Ask for a written explanation of any change before paying additional premium. [ ] Save the final audit worksheet and invoice with renewal records.

Next steps

  • Pull payroll registers before the auditor meeting so class-code questions can be answered from records.
  • Request missing subcontractor certificates or exemption forms before the audit file is submitted.
  • Save the final audit worksheet and compare it against the renewal quote.

What this includes

Download formats

PDF, DOCX

Fields

Business name, Audit contact, State, Policy term, Carrier, Policy number, Audit date

Document sections

Business and policy file, Payroll by class code, Subcontractor proof log, Owner and officer status, Employee duty map, Auditor questions and notes

Related guide

Compare free quotes from carriers that actually write your trade.

Prefer not to fill out a form? (888) 698-7698 · Get a quote by email

Free. No obligation. Compare quotes online — or talk it through, your choice.

Free quotes from 400+ carriers · Licensed in 22 states · No fees to compare

22 states licensed support

400+ carriers and market options

Compare options without extra fees

Trade-specific tools for common coverage decisions