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Workers Comp Audit – Five Great General Questions From Readers


Workers Comp Audit Question Blog Readers Ask

Workers Comp audit questions are emailed or called in to us quite often.  I was unable to cover all the questions over the last few months.   A few of the questions are listed below with answers.  There are links to other articles that relate to the questions.  Follow the links for further information.

Emoji Of Workers Comp Audit With Question Marks

We have not heard from our insurance carrier this year on our workers comp audit. Should we contact the carrier?

Carriers are quite adept at scheduling audits.  Quite possibly, something happened on the carrier’s end such as they had to replace the auditor for some reason.  You will be hearing from them soon.

Our business grew so that we now are experiencing our first workers comp audit.  What preparations should we make?    

One of the best ways to prepare is to be highly organized.  Throwing a pile of papers at an auditor will never help your result.  Excel is a great tool for organizing the paperwork that you will need to produce.  Organization is the key.

We received our audits results and do not agree with them.  How do we proceed?  

You should have received an address, phone number, or email address to contact if you do not agree with your audit.    I cannot recommend enough that you use Certified Return Receipt Mail and write to the address on the premium audit bill.   You may want to review exactly what the auditor included in their audit workpapers if you were left a copy.   If not, you can always ask for them by Certified Return Receipt Mail.

For whom does the Workers Comp auditor work for- the state, the carrier, the agent, as a consultant to our company?

Graphic of Workers Comp Audit Question Marks
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The premium auditor works for the insurance company.  The auditor is often from an independent company that is contracted by the insurance carrier.    The auditor should leave a contact business card with you before they leave.

Do I have to allow the premium auditor to leave with our company files/information?

There is no rule concerning this situation.   However, if you do not want any of your info to leave your business, you can make that request and it should be followed by the auditor.  That is strictly up to your company.

**Please note that there are differing Workers Comp Audit rules in each state.  These are answers are “in general.”

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James J Moore - Workers Comp Expert

Raleigh, NC, United States

About The Author...

James founded a Workers’ Compensation consulting firm, J&L Risk Management Consultants, Inc. in 1996. J&L’s mission is to reduce our clients’ Workers Compensation premiums by using time-tested techniques. J&L’s claims, premium, reserve and Experience Mod reviews have saved employers over $9.8 million in earned premiums over the last three years. J&L has saved numerous companies from bankruptcy proceedings as a result of insurance overpayments.

James has over 27 years of experience in insurance claims, audit, and underwriting, specializing in Workers’ Compensation. He has supervised, and managed the administration of Workers’ Compensation claims, and underwriting in over 45 states. His professional experience includes being the Director of Risk Management for the North Carolina School Boards Association. He created a very successful Workers’ Compensation Injury Rehabilitation Unit for school personnel.

James’s educational background, which centered on computer technology, culminated in earning a Masters of Business Administration (MBA); an Associate in Claims designation (AIC); and an Associate in Risk Management designation (ARM). He is a Chartered Financial Consultant (ChFC) and a licensed financial advisor. The NC Department of Insurance has certified him as an insurance instructor. He also possesses a Bachelors’ Degree in Actuarial Science.

LexisNexis has twice recognized his blog as one of the Top 25 Blogs on Workers’ Compensation. J&L has been listed in AM Best’s Preferred Providers Directory for Insurance Experts – Workers Compensation for over eight years. He recently won the prestigious Baucom Shine Lifetime Achievement Award for his volunteer contributions to the area of risk management and safety. James was recently named as an instructor for the prestigious Insurance Academy.

James is on the Board of Directors and Treasurer of the North Carolina Mid-State Safety Council. He has published two manuals on Workers’ Compensation and three different claims processing manuals. He has also written and has been quoted in numerous articles on reducing Workers’ Compensation costs for public and private employers. James publishes a weekly newsletter with 7,000 readers.

He currently possess press credentials and am invited to various national Workers Compensation conferences as a reporter.

James’s articles or interviews on Workers’ Compensation have appeared in the following publications or websites:

  • Risk and Insurance Management Society (RIMS)
  • Entrepreneur Magazine
  • Bloomberg Business News
  • WorkCompCentral.com
  • Claims Magazine
  • Risk & Insurance Magazine
  • Insurance Journal
  • Workers Compensation.com
  • LinkedIn, Twitter, Facebook and other social media sites
  • Various trade publications


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