Audits are very common in insurance.  Many policies require an audit as the premium rate is based on a fluid number such as payroll or sales.  The initial quote at the beginning of the policy term is an estimate or best guess for the coming year.  Since Workers Comp is a required coverage when a business employs workers, premiums are rated and based on anticipated payroll.  As this is a mandatory coverage that few business owners (if any) relish paying, audits are used to verify the correct premium is paid to cover the risk exhibited with the employees working.  There are several ways to make the audits less troublesome, give us a call to go over these.