## 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](/content/use-cases/workers-comp-audit-prep#name/index.html)

### 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](/content/use-cases/workers-comp-audit-prep#/index.html) 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](/content/fractional-insurance.html)

## Outside certificates

Validate the COIs you already collect.

Some contractors bring their own coverage. Drop their certificate into [COI Review](/content/coi-review.html). 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.