Free tool
Workers' comp audit calculator for roofers
See whether you're headed for a bill at your workers' comp audit. Compare the payroll on your policy to what you've actually paid, including subcontractors without a certificate of insurance.
Your policy vs. what you actually paid
The estimate on your declarations page.
Your own crew's wages. Project the full year if you're mid-term.
Subcontractors who couldn't show their own workers' comp for the dates they worked.
From your policy. Example is the 5552 base rate.
100 if you don't have one.
Premium you were billedBased on payroll on your policy
Estimated owed at audit
| Where the difference comes from | Payroll | Premium |
|---|---|---|
| Payroll above your estimate | $0 | $0 |
| Uninsured subcontractors added at audit | $0 | $0 |
| Total | $0 | $0 |
Estimate only. Auditors classify uninsured subcontractors by the work they did, so roofing subs are usually charged at a roofing rate. Final audit results depend on your carrier and records.
How to avoid an audit bill
- Collect a certificate from every sub before they start, and make sure the policy dates cover the days they worked.
- Update your payroll estimate mid-year if business grows, so the extra premium is spread out instead of due at once.
- Keep hourly rates on record so workers at $33 or more stay in the cheaper 5553 code.
- Use pay-as-you-go payroll so premium is calculated from every payroll run and your audit matches what you've paid.
- Link your payroll directly to your workers' comp. Contact us to connect your payroll service to your policy so payroll is reported automatically every billing cycle, with no extra work or reporting on your end.