

Your business changes — and your insurance coverage needs to keep up. A proper audit review ensures your payroll, classifications, and subcontractor records are accurate, so you’re never overpaying or under-protected. It helps prevent premium spikes, expensive back-charges, and gaps in coverage that leave your business exposed. With the right guidance, your audit becomes an opportunity to protect your bottom line, not threaten it.
We review your audit documents and policy details to identify errors, outdated information, or missing data — so your premium accurately reflects your business.
We help you submit accurate payroll and classifications, reducing the risk of surprise bills, premium spikes, or audit disputes.
From explaining what your carrier needs to helping you prepare documentation, we guide you through every step so you’re never left guessing.
We streamline the audit experience with clear instructions, fast communication, and a simple process that helps you meet deadlines and stay compliant.
Get clarity, avoid surprises, and breeze through your audit.
Upload the audit notice and a few business details so we know what the carrier is asking for.
We review your policy information and classifications to make sure everything is accurate.
Our team guides you on what to provide and how to complete the audit correctly.
Submit with confidence — and avoid delays or surprise charges.
An audit ensures your business has the right amount of your insurance coverage. Your business can change a lot from year to year. For example, if your sales increase, you may have to hire new employees to help with increased demand. Or, you may have downsized around the holiday season, so you had fewer employees at the end of the year. In either case, you may need to adjust your coverage amount based on the changes to your business.
The word “audit” may sound stressful, but don’t panic. At the beginning of the year, you pay a certain amount for general liability and workers compensation coverage. If you’re asked to go through an audit at the end of the year, Connect Insurance Group reviews your business’ payroll and other documents to determine if the premium you paid was accurate.
A general liability and workers compensation audit looks at:
Your business’ gross sales Job duties of employees and independent contractors changes from the prior year.
Depending on the audit results, you could:
Get a refund if the premium you paid at the start of the year was higher than what you need now. Have additional premium because you needed more coverage, so you’ll have to pay the difference.
Most audits can be completed in just a few days once the required documents are submitted. If anything is missing, we’ll help you get it quickly so the process doesn’t drag on.
Having the necessary documents and information can make for a smooth audit.
Some documents you may need include:
Payroll or sales reports
Certificates of insurance
Tax documents
Subcontractor or independent contractor documents
Insurance companies may perform an insurance audit at the end of the year for:
General liability insurance
Workers’ compensation insurance
If you’re notified of an insurance audit, it’s important to send your insurance company any documents or information they ask for. Completing a general liability & workers compensation insurance audit, ensures you’re paying for and getting the right amount for coverage.
That’s exactly what the audit is designed to check. If your payroll or risk exposure went up, you may owe a little more. If your business slowed down and your exposure decreased, you could receive a refund on your premium.
Either way, the goal is to make sure you only pay for the coverage you truly need.
Get expert help to correct your details and submit your audit with confidence — before surprises hit your bottom line.