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Insurance Premium Audits:

The Premium Audit Department specializes in casualty underwriting of insurance Premium Audits.

We have a full-time staff of auditors handling the states of NY, NJ, CT, RI, MA, PA, DE, MD, and DC.

Our staff does 100% of the work: we do not make use of individual independent contractors as they can be unreliable.

Since 1989, we have provided our valued customers (Insurance Companies and Governmental Agencies) with dependable, responsive, and effective Premium audit services in the Northeastern United States.

Our experienced, full-time staff completes the physical audits and email/Voluntary audits in a timely manner (2 weeks 4 weeks).

Rush cases are completed within a few days. Our Premium Auditors possess vast information technology capabilities and as such, have the capability of completing all premium audit reports & documentations reviewed electronically.

To minimize errors, our IT department has developed state of the art and user friendly audit forms used by our field auditors. These forms automatically match the various classification codes to the classification wordings/descriptions and also automatically calculate the various exposures on the fly as the applicable data is entered into the electronics worksheet.

The completed field work is electronically transmitted to our office for review and also electronically transmitted to our customers via the internet. We believe this is the best method of submitting completed reports since it eliminates the delays involved in customers receiving completed reports due to the use of the 3-5 days shipping method.

Progress reports are also constantly sent to the customer via electronics method. Back up copies of all progress reports and completed reports are kept in our database for a period of 2 years.

Our goal is to provide our clients with the greatest value for their investment by only using premium auditors who have substantial successful experience in insurance premium audits.

The Premium Audit Department provides the following services:

  • Phone audits
  • Physical audits:
    1. Worker's Compensation audits
    2. Liability audits
    3. Garage Liability audits
    4. Business Auto audits
    5. Umbrella audits

    Our staff has the experience and expertise in handling multi-state and multi-classification audits from small to large super accounts in the following areas:
    • Food Industry
    • Textile and Clothing Mfg
    • Paper & Paper Goods Mfg & Printing
    • Woodworking & Metal Fabrication
    • Excavation & Building Construction:
      1. New York Construction Classification Premium Adjustment Program
      2. New York Construction Employment Payroll Limitation
      3. Pennsylvania Construction Classification Premium Adjustment Program
    • Trucking & Storage
    • Mercantile
    • Medical/Home Health Care
    • Churches and other religious organizations
    • Energy/Gas Industry etc.

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Premium Audit Field Requirements/Guidelines

Audit Guidelines

Definition of Payroll

Definition of Sales

Record Maintenance

Subcontractors

Test Audits FAQ

Frequently Asked Questions