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Premium Audit Frequently Asked Questions

Can I complete my Premium Audit online?

EMPLOYERS, proudly offers 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. To get started, EMPLOYERS policyholders simply log into EACCESS and navigate to My Premium Audits. If you do not have an EACCESS account, registration is easy. Go to or check out our step-by-step instructions.

Why is there a year-end Premium Audit?

Your workers’ compensation insurance policy was issued based upon estimated payroll figures and classification. During the policy year, changes may occur in your operation. When your policy expires, we will review your operations and actual payroll by classification, and make the appropriate adjustments to calculate a final audit premium (this may result in an additional balance due, a refund, or potential changes to your current policy).

What is a Voluntary Audit and what do I do with it?

A voluntary audit form is sent for you to complete and return to EMPLOYERS through mail, e-mail, or fax. The first page will provide instructions regarding the audit and required information. The following pages are for you to fill out and complete. The last page contains our noncompliance policy. Please return the document by the due date provided on the form.

Why am I required to complete a Voluntary Audit?

Your workers’ compensation insurance policy was written with estimated figures. You are required to provide us your actual payroll information and operations of the business. We use this information to determine your actual premium.

How do I get a copy of the Voluntary Audit?

How do I complete the Voluntary Audit?

What is a Remote Physical Audit?

To simplify the audit process and avoid any interruptions caused by an On-site Physical Audit, we are proud to offer a Remote Physical Audit option. You will receive a letter requesting payroll records for your company (such as: 941s, State Unemployment Forms, and a Payroll Journal). Once you have submitted the requested documentation to EMPLOYERS, an experienced representative from the Premium Audit Team will contact you to discuss your payroll information and business operations.

What is an On-Site Physical Audit?

You will receive a letter requesting payroll records for your company (such as: 941s, State Unemployment Forms, and a Payroll Journal). Once you send the requested documents to EMPLOYERS, an experienced representative from the Premium Audit Team will contact you to visit your business location(s) to conduct the audit.

What happens if I do not comply with a Premium Audit?

If you fail to comply with a Premium Audit, we may cancel your current policy, if any, or increase your final audit premium and you may be ineligible for an experience modification.

Download the non-compliant policy.

What happens after the Premium Audit?

After your audit is completed, we will mail you an explanation of your audit results which includes a premium invoice.

Why am I charged fees and other surcharges, and what are they?

Most states have a fee schedule for a variety of purposes. The fees are most commonly used for the following:

  • Insurance guarantee funds to guard against insolvent carriers
  • Administrative surcharges to fund rating and administrative organizations
  • Fraud assessments to finance anti-fraud programs
  • Benefit funds to protect uninsured injured workers
  • Terrorism Risk Insurance Act of 2002 (TRIA), as amended, is a federal law that provides funding to carriers following a declared act of terrorism
  • These fees are mandatory in the states in which they apply.

Why do you need me to provide overtime pay?

In some states the premium overtime, sometimes called ‘excess overtime,’ is excludable from workers compensation insurance. Premium overtime is the amount paid over an employee’s regular hourly rate. For example, an employee works 50 hours in a week; the employee’s regular hourly rate is $10 per hour and the overtime rate is $15 per hour.

Hours Rate Pay Premium WC Exposure
Regular 40 $10 $400 $400
Overtime 10 $15 $150 $50 $100
Total 50 $550 $50 $500

An easy way to calculate the premium or excess portion of overtime is to divide the total gross overtime by 3.

Can I exclude Section 125 or 401(k) contributions?

If you conduct business in California, you may qualify to exclude your employees’ contributions to a Section 125 plan. Health Savings Account (HSA) contributions can be deducted in most states. In California, the HSA must be part of a Section 125 plan in order for these amounts to be deducted.

Any employee contributions to a 401(k) plan are always included in determining your premium.

How do I request a copy of the auditor report?

To request a copy of the auditor’s report, please e-mail us at You may also fax your request to 888-980-5455. Please be sure to provide your company’s name (as it appears on the policy) and your policy number.

What do I do 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 your request, any supporting facts and/or documents, your contact information, and an ideal day/time for a Premium Audit representative to contact you.

How do I contact Premium Audit?

Telephone: 888-682-6671


Fax: 888-980-5455

Where do I submit the Voluntary Audit?

You can submit your Voluntary Audit Form to: or fax 818-956-3490

How can I email my payroll documentation securely?

To encrypt your voluntary audit form submission please call us at 888-682-6671 and an auditor would be happy to setup a secure encrypted e-mail file transmission.