ࡱ> JLI bjbjNN J,~,~ *]$$$$$ Y"{   $  ^Y $$$R $$$$ J ro Tv"  }  Pay as you go: Its not necessarily how much you pay up front that counts.   Insurance Audits The final costs for many insurance policies, like Workers Compensation, business liability, and even some property insurance policies are figured at the end of your policy year. If youre prepared for the auditor when he or she visits, youll save yourself time, and potentially gobs of money. The rules that govern business liability and Workers Compensation insurance make it your responsibility to arrange the necessary information for the auditor to do the job. When you have completed the proper payroll forms and have the backup material available on hand when the auditor visits, you should find your audit is conducted with a minimum of confusion and wasted time. Heres what the auditor wants to see on the visit: Employee Social Security Records Your payroll ledger Unemployment compensation records Cash receipts journal Profit and loss statement Cash disbursement ledger General ledger Sub-contractors certificates of insurance Copy of any hold-harmless agreements you signed during the policy term being audited Copy of bailees property insurance policy Purchase invoices of vehicles acquired during the policy term Gross vehicle weight for all vehicles Copy of the auto/truck leasing companys liability You start your policy year estimating your gross receipts, your payroll in the various classes of employees you have, and the maximum amount of business personal property you have. You have the option of reporting your payroll and receipts to the insurance company monthly, quarterly, semi-annually, or annually for the given period you choose. You begin your policy year with a deposit, and then each time you report your receipts or payroll you make a payment based on that report. The insurance company then either bills you for an additional cost if your receipts or payroll exceeds what you estimated at the beginning of the year. You can think of this audit process as pay as you go insurance. The key, though is the ability to keep good records. Computers have made that possible. Would you allow an IRS agent to conduct an audit without an expert on your side? Of course not. Your expert is preparation, knowing what the auditor is looking for, and having your agent near. The insurance audit may cost you more than an IRS audit. Remember an insurance audit is every year. You may go years without an IRS audit.  Geared for Success 3 minutes to insurance understanding Save money and cover your fatal gaps. 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