Workers Comp Audit Stress Reducer
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California Workers Comp Premium Audit Guide For Employers


California Workers Comp Premium Audit Guide

A California workers comp premium audit guide showed up in a peculiar place.  I came across a PowerPoint(r) presentation and slides from the SCIF (State Compensation Insurance Fund) last week.  SCIF functions as the insurer of last resort in CA.  The presentation slides  (PDF file) can be found here.  

pic man reviewing callifornia workers comp premium audit guide
Wikimedia Commons 3.0 License. Gora Kamienna

The presentation was from earlier this year June 1, 2023.   I recommend downloading the PDF file even if you are not a California employer or if SCIF is not your workers comp carrier in California.   I rarely recommend carrier-supplied info.  This info was worth an article to cover the topic.

Why download it – because it is a nice quick summary of what might reduce your yearly premium audit stress.   Yes, the slides may be CA-specific, but the audit process and preparation are very similar to other states.

Any employer with at least $10,500 or more premium will be audited in person or virtually on an annual basis.  Virtual audits became the standard during the pandemic nationwide.  The virtual audits are a type of hybrid audit. 

Required records include all your company’s:

  •  Payroll bookkeeping records
  • Tax returns and forms
  • Payroll journals
  • Original time cards with start/stop times along with trade performed
  • Cash disbursements
  • Cash payments

The SCIF download contains links to other sections of its website including Employee/Contractor determination along with other parts.  This may not be a full California Workers Comp premium audit guide, but it is a great starting point if you are due for an audit.




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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