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Workers Comp Premium Audit Records – Keep The Old Ones Handy


Workers Comp Premium Audit Records After Zoom

Your company’s workers comp premium audit records may need to be at your fingertips for a few years.  Why?  Let’s look at what happened from March 2020 to now.

Pic Laptop Zoom Workers Comp Premium Audit Records
Wiki Public Use License – Project Kei


Hybrid Premium Audits Will Be Temporary Situation

Most of our clients had received Zoom workers comp premium audits over the last 1 + years.  These hybrid audits were considered not the best by the insurance industry for many years.   There is nothing wrong with those types of audits.

Most rating bureaus and state WC Commissions waived the in-person physical audits due to COVID-19.   The insurance carriers were left to either request physical records and audit those and/or doing a video audit meeting with their insureds.

Old Workers Comp Premium Audit Records and Physical Audits

Soon, the physical audit waivers will cease.  The physical premium audit requirement will be back in place.  As you may already know, insurance carriers can review records up to three years old including prior policy, classification code, and payroll information.  If you do not believe the three-year prior review period, look in your policy.   Yes, it is in there.  California would be one of the main exceptions to this policy provision.

I always recommend taking a few minutes and reading your policies including Workers Comp and General Liability.   Go old school and print them out.

I am not saying that any carrier would be up to hijinks by requesting records for prior policy years while they are auditing your policy that just expired in the last few months.   The premium auditor is already on-site reviewing the current year.  Hopefully, the premium auditor would notify an employer by letter if they want to review a previous hybrid or Zoom audit of past policy years while they are there for the just-expired policy.

Take my advice and keep the workers comp premium audit records from prior years where you can locate them more easily. Old records can sometimes be hard to locate on short notice.


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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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