Do I pay people to work for my business that I consider to be an employee or an independent contractor? If so...
Have I arranged Workers' Compensation Insurance to protect me from being legally responsible for damages suffered by either an injured employee or independent contractor?
Do I have the necessary extension to my Workers' Compensation policy to cover myself, officers, and partners if we are injured on the job?
Have I avoided buying Workers' Compensation insurance to save money? If so, have I compared those savings to the potential costs of not having coverage?
What is an Insurance Premium Audit? When would an Audit be performed? Who will conduct the audit? Do I need to be available to meet with the Auditor?
How will an Audit be conducted? Will someone visit in person? Might it be done over the phone? Will I need to provide a report?
What types of information will I need to provide? General information? Payroll information? Tax information? Sales information?
What do I need to do to prepare for my Audit? How should I organize my Payroll records? By policy period? By classification code? By overtime and regular?
What is included in Gross Payroll for Audit purposes? Should I request Certificates of Insurance from all my Subcontractors?