WorkflowCommercial P&C

Premium Audit Review

Every premium audit classified and reconciled from the records in an hour, every figure cited for the auditor.

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WorkflowDocuments in; a checked, signed result out.
6specialist agents
5kinds of input
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The problem

Why it matters

Audits rely on payroll reports, tax forms and ledgers sent in every format; auditors classify by hand, uninsured subcontractors are missed, and disputes and late audits delay billing.

What it does

How the solution handles it

Six agents read payroll, tax and ledger records, reconcile them, map employees and revenue to class codes, check subcontractor certificates, calculate the final premium and draft the explanation. A premium auditor reviews every class and signs the audit.

How it works

How an audit moves

Six specialist agents read, reconcile, classify, check, calculate and explain every audit; a premium auditor signs it.

What comes in
Audit records5 kinds of record · payroll, 941s, ledgers, certificates
Agents at work
Records readerpayroll, ledgers
Then
Payroll reconciler941 vs payroll
Class coderNCCI and GL classes
Then
Subcontractor checkerinsured or not
Then
Premium calculatorclass × rate
Then
Letter drafterplain explanation
A person decides
Premium auditorreviews and signs
What comes out
Signed audit
Final premium
Insured letter
In and out

What it reads, and what it hands back.

What goes in

  • Payroll reports and Form 941s
  • General ledger and sales records
  • Subcontractor certificates
  • Policy classes and rates
  • Audit questionnaire

What comes out

  • Audit worksheet by class, cited
  • Subcontractor coverage check
  • Final premium calculation draft
  • Policyholder explanation letter

Who uses it

PAPremium auditorAMAudit managerUUnderwriterBTBilling team
What it changes

The difference, in numbers.

Every figure is labelled: a target the solution is built to, an estimate, a typical published result, or a proven one.

target
1hr
per audit, from records received to a classified worksheet
By hand4–6 hrs
With agents≈ 1 hr
target
100%
of subcontractors checked for proof of insurance
14 of 14 subs
insured or charged
estimated
2×
the audits closed per auditor, with the same team
TodayWith agents

NCCI and state bureau classifications · physical-audit thresholds vary by state (e.g. $10,500 final premium in California) · “Target” = design goal, measured in the live solution · “Estimated” = our estimate

Built on the engine

6 specialist agents. One person decides.

Records readerpayroll, ledgers, tax forms
Payroll reconcilerpayroll against Form 941s
Class coderemployees and sales to classes
Subcontractor checkeruninsured subs become exposure
Premium calculatorfinal premium by class
Letter drafterexplains each change
Premium auditorreviews and signs

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