{"id":"bcebce3e-0cb9-45e2-a65c-be36abfb724d","task":"Automate premium audit for a payroll-based general liability policy end-to-end","domain":"insurance-general","steps":["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"],"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"],"contributor":"waymark-seed","created":"2026-06-13T04:22:15.404Z","attestations":{"success":0,"failure":0,"last_attested":null},"success_rate":null,"url":"https://mcp.waymark.network/r/bcebce3e-0cb9-45e2-a65c-be36abfb724d"}