Four things to know about workers' compensation premium audits

Four Things You Need to Know About Workers’ Compensation Premium Audits

Even if you have run a business for a while, you may still have questions about the workers’ compensation premium audit process. Here are four things you should know about premium audits:

What is a premium audit and why is it required?

According to the terms of your workers’ compensation policy, you must complete an annual premium audit. Premium audits are typically routine and relatively quick. Your workers’ compensation policy premium is based on payroll estimates and other information you provided at the time of application. At the end of your annual policy period, a final premium audit is conducted to determine if you paid the appropriate amount for your workers’ compensation insurance based on your actual payroll, operations and job classifications.

How does EMPLOYERS conduct premium audits?

At EMPLOYERS, we’ve simplified the audit process by offering online premium audits. This allows you to complete your audit quickly and easily, so you can get back to doing what you do best — servicing your customers and growing your business.

In addition to online premium audits, EMPLOYERS offers 3 other audit types listed below. The type of audit you receive usually depends on: the size of your policy, the industry in which you operate, and the physical location(s) of your business.

How do I remit my completed mail audit form?

You may submit your audit form by emailing it to, faxing it to 888-988-1841, or mailing it to the address listed on the audit form.

To encrypt your email audit form submission, please call us at 800-677-3252. One of our auditors will be pleased to assist you with a secure encrypted email file transmission.

What if I disagree with the premium audit results?

To request a review of your final premium audit, please provide a written request to the Premium Audit Department at or by fax 888-966-5656. Please be sure to include the reason for the dispute, any supporting facts and/or documents, your contact information, and an ideal day/time for a Premium Audit representative to contact you.

Contact the Premium Audit Department

EMPLOYERS’ Premium Audit staff is available to answer your questions. Please call us at 800-677-3252, or email us at

More Information

For more information, including answers to more frequently asked questions, visit our Premium Audit FAQ page, or read our recent blog article – Conducting a Premium Audit on Your Business.