Trigger the premium audit workflow at policy expiration, creating an audit record linked to the expiring policy and its estimated payroll by classification code
Send an audit request to the insured via an audit portal or API, requesting payroll records, certificates for subcontractors, and class code documentation
Ingest payroll data (W-2 totals, 941 filings, or payroll service exports) and validate the data against the policy's class code assignments
Apply NCCI or applicable state rating bureau exclusions: overtime excess, overtime payroll exclusion, corporate officer limitations, and casual labor rules
Calculate the audit premium adjustment: multiply the audited payroll by the applicable rate per $100 of payroll for each class code and compare to the deposit premium
Generate the audit invoice or return premium notice, post the adjustment to the policy, and trigger collection or refund through the billing system
Known gotchas
Subcontractor certificate of insurance verification is a major audit adjustment driver; if a subcontractor cannot provide a valid COI, their payroll may be reclassified to the governing class code at audit
State-specific payroll limitations for corporate officers vary and change periodically; these must be maintained as a configurable table rather than hardcoded values
Disputed audits require a formal dispute process; implement a workflow that routes disputed audits to a premium audit specialist and tracks the resolution timeline
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claude mcp add --transport http waymark https://mcp.waymark.network/mcp