Workers' Comp Audit Prep Software | 1099Policy
Three parts, one clean audit.
Audit prep isn't a single feature. It's coverage, proof, and records working together so the auditor's questions are already answered.
WC in the contractor's name
Per-engagement statutory workers' comp across 46 states + DC, issued in the contractor's own name and entity. They're insured on their policy, so their pay never folds into your audited payroll.
A COI for every engagement
An ACORD 25 certificate is generated the moment coverage binds, with your entity named as additional insured. No year-end scramble to collect proof from people who've moved on.
An archive that survives the audit
Every certificate, contractor, and dollar of pay is retained indefinitely and exportable in one click: the exact record an auditor asks for, already assembled.
Why audits hurt
Uninsured contractors are charged to you.
At a workers' comp premium audit, the carrier reviews what you paid to every 1099 and subcontractor. Anyone who can't produce a valid certificate of their own coverage is treated as your employee for premium purposes, and you're charged WC premium on their full pay at your governing class code.
That's the line item that turns a routine audit into a five-figure true-up. The fix isn't better spreadsheets at year-end. It's making sure each contractor carries coverage in their own name, with the certificate already on file.
See how in-name coverage works
CERTIFICATE OF INSURANCE
PRODUCER
Summit Risk Partners
101 Mission St, Suite 600
San Francisco, CA 94105
(415) 555-0198
DATE (MM/DD/YYYY)
05/20/2024
CERTIFICATE NUMBER
24-5678-ABCD
THIS CERTIFIES THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED BELOW.
INSURED
Atlas Field Services, Inc.
500 Industrial Way
Austin, TX 78701
INSURERS AFFORDING COVERAGE
INSURER A: Everest National Insurance Co.
INSURER B: Travelers Property Casualty Co.
INSURER C: XL Specialty Insurance Company
INSURER D: Ironshore Indemnity, Inc.
Type of insurance
Policy number
Eff
Exp
Limits
Commercial General LiabilityClaims-made Occur
GL123456789
05/01/24
05/01/25
Each occurrence $1,000,000 General aggregate $2,000,000
Automobile LiabilityAny auto
BA987654321
05/01/24
05/01/25
Combined single limit $1,000,000 Property damage $1,000,000
Umbrella LiabilityOccur
UL555666777
05/01/24
05/01/25
Each occurrence $5,000,000 Aggregate $5,000,000
Workers Compensation& employers' liability
WC112233445
05/01/24
05/01/25
E.L. each accident $1,000,000 E.L. policy limit $1,000,000
DESCRIPTION OF OPERATIONS. RE: Field service dispatch · Southwest territory. Certificate Holder is included as Additional Insured where required by written contract.
Coverage in the contractor's name
So their pay stays out of your audit.
A Fortune 500 carrier (A+ Superior, AM Best) issues statutory workers' compensation in the contractor's name and entity, scaled per engagement to the actual pay. The contractor stays an independent contractor, and the policy is what keeps their pay out of your premium base.
Because coverage is per engagement, premium follows the real work instead of an annual estimate, and there's no end-of-year reconciliation to dispute.
How per-engagement coverage works
Outside certificates
Validate the COIs you already collect.
Some contractors bring their own coverage. Drop their certificate into COI Review. It parses the ACORD 25, checks limits and dates against your requirements, and flags anything expired or missing. An outside policy counts toward a clean audit instead of becoming a surprise charge.
The audit file
One export, the whole audit.
When the auditor sends the request, you don't reconstruct anything from email. In a single click, export every contractor you paid during the term, including the amount paid to each and the certificate proving their own coverage, already reconciled against actual amounts paid.
What used to be a multi-week fire drill across accounting, ops, and the broker becomes a download.
In practice
Audit prep for a 60-tech field-services company.
The challenge. A field-services company paid 60 subcontracted technicians over the policy year. At the workers' comp audit, the carrier asked for a certificate on every one. A dozen couldn't produce valid WC, and their pay was added to the company's audited payroll: a five-figure true-up at the governing class code.
The solution. The next year, techs without their own coverage carried per-engagement WC in their own name through 1099Policy, each certificate issued and archived automatically. Certificates from already-insured techs were validated through COI Review as they came in.
The result. When the audit landed, the company exported one reconciled file (every technician, what they were paid, and their certificate) with zero unverified contractors and no added premium.