Got a Surprise Insurance Audit Bill? Don't Pay It Yet.
Your workers' comp or general liability policy got audited, and now the carrier says you owe thousands more than you planned for. Before you write that check, let somebody read the audit. A lot of these bills are built on the wrong class codes or payroll that got counted twice. We review them for Alabama business owners and help dispute the ones that are wrong.
- An audit bill is the carrier's math. Math gets checked.
- We explain what happened in plain English. No jargon, no judgment.
- The review is free. If the bill is right, we'll tell you that too.
Get a Free, Confidential Audit Review
Tell us what happened, and send the letter if you have it. We'll lay out your options at no cost.
Licensed & Local
Alabama-based advisors
Same-Day Response
Usually within one business day
Free Audit Review
No cost to have us look
We Check the Math
Class codes, payroll, subs
That "Additional Premium Due" Letter Is a Calculation, Not a Verdict
Here's what actually happened. When your policy started, the premium was an estimate: your best guess at payroll, the carrier's guess at what your people do all day. The audit is where they true it up. It's also where things go sideways.
We've seen office managers rated as if they swing hammers. Sub costs charged as payroll because a certificate of insurance never made it into the file. Estimated audits that inflate payroll because a worksheet went unanswered. Every one of those makes the number bigger, and every one of them can be challenged.
The class code piece alone is real money. Workers' comp rates for carpentry work can run $15 or more per $100 of payroll in Alabama. Clerical staff rate closer to 15 cents. Put one $50,000 office salary in the wrong bucket and that line reads $7,500 instead of $75.
So is your bill wrong? Maybe not. But you won't know until someone reads it.
How We Help You
Three steps. No pressure at any of them.
Send Us the Letter
The audit statement, the worksheet, even a photo of the bill. We go through it line by line and tell you what the carrier did: which class codes they used, whose payroll they counted, and where the number came from.
We Look for the Usual Suspects
Misclassified employees. Payroll counted twice. Sub costs picked up because a certificate of insurance was missing. Overtime charged at full freight. After enough audits, the errors show up fast.
You Dispute With Documentation
Carriers don't reverse an audit because you're upset. They reverse it when you hand them corrected payroll records, certificates, and the right class code argument. We help you build that package, and we're straight with you about anything you legitimately owe.
Who We Help
Contractors and the trades get audited hardest, because class codes and sub costs give an auditor the most room to get it wrong. We also work with staffing, trucking, manufacturing, and restaurant owners across Alabama facing:
Frequently Asked Questions
I just got a huge audit bill. Do I really have to pay all of it?
Not necessarily. An audit bill is the carrier's calculation, and the inputs are wrong more often than you'd think. Wrong class codes. Overstated payroll. Sub costs picked up as wages. Any of those can be disputed with the right records. Find out how they got the number before you pay it.
What is a commercial insurance audit?
At the end of your policy term, the carrier checks the real numbers behind your premium: payroll, sales, class codes, sometimes square footage. If the actuals came in higher than the estimate, you owe the difference. Lower, and they owe you. The catch is that the checking is done by a person on a deadline, and people on deadlines make mistakes.
Why didn't my agent warn me this was coming?
The audit clause sits in nearly every workers' comp and general liability policy, but plenty of agents never walk their clients through it at sale. So the first time most owners hear the word "audit" is when the bill lands. That's not on you. It does mean you want someone reading the fine print now.
Can an audit result actually be disputed?
Yes. Carriers have dispute processes for exactly this. If the auditor used the wrong classification, counted payroll that shouldn't be there, or estimated your numbers instead of using real ones, you can challenge the result with corrected records. We help you figure out what to send and how to present it.
How much does your help cost?
The first review costs nothing and commits you to nothing. We read the audit, tell you what we see, and lay out the options. If there's more we can do from there, we'll price it plainly before you decide anything.
Insurance Audit Help Across Alabama
We work with owners statewide, from the Shoals to the Wiregrass. Find your area:
Don't Pay That Audit Bill Until Someone Reads It
Send the letter over. If the bill is right, we'll tell you, and you've lost nothing. If it's wrong, you'll be glad you didn't pay it.