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Here is information published by Insurance companies:


Premium Insurance Audit Documents request FAQ:     


Why must I provide two types of documents for the same information?

Two types of documents are required to complete your audit: A primary source showing transactions or payments during your policy period and a secondary source, such as a tax document that is used to verify the primary source.  

·        The primary source document should match as closely to your policy period as possible. For payroll reports, you can round to the first of the month (it is acceptable to deviate from the policy period by 30 days).  For example, if your policy period is 6/15 - 6/15 you can provide payroll for 7/1 to 7/1 or 6/1 to 6/1.   

·        The secondary source documents may not line up with your policy period. If your policy period falls in the middle of the month, simply provide the most recent four filed quarterly (or annual) tax reports that most closely aligns with your policy period.

How can I provide documents?

If your audit is in-person please have records available and accessible to the auditor at the site of the audit. It is not required to print the documents.

If you are completing your premium audit online or on paper, you may need information from your source documents to input into the form. You are required to submit verification documents. These can be uploaded on the secure website, faxed or mail.  See the Contact Us section for further instructions.

What documents do I need to provide?

The documents you need vary based upon the types of policies you have purchased and the basis upon which the premium for these policies was established: sales, payroll or other. If completing your audit online, once registered, you will be informed of the specific documents needed. If your audit is in person, your appointment confirmation letter will list required documents. If unsure, please contact Customer Service or your Agent. In general:

·       Example: Here is a list of items that Travelers Insurance would send out for a  Workers Compensation: Payroll-based audit

o   Workers Compensation Required Documents Checklist

·        General Liability:   

o   Contractors, Construction: Payroll-based

§  General Liability - Payroll-Based Required Documents Checklist

o   Manufacturers, Mercantile: Sales-based

§  General Liability - Sales Based Required Documents Checklist

o   All other businesses:

§  General Liability - Other Premium Basis

What will happen if I don't complete my Premium Audit?

If you have an Audit Noncompliance Change Endorsement or if ANC is otherwise part of your Workers Compensation policy, and you have been notified that your policy will be audited and you fail to comply, you will be billed an ANC charge at the conclusion of your policy term. The ANC charges vary by state (check your Workers Compensation policy endorsement for details or contact your Broker or Agent). Your Premium Audit Adjustment Notice will show the ANC charge by location and state. Additionally, you will receive an Account bill from Travelers, your Agent or your Broker showing the total balance due including both the premium and the audit noncompliance charge.

·        Garage Liability: Dealership, Auto Repair



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