As your business evolves — whether through expanded headcount, new facilities or new equipment — the insurance premium you pay should evolve accordingly. 91������’s annual premium audit gives you a confident, accurate view of your true exposures and ensures your coverage reflects your business today.

Why Does an Annual Premium Audit Matter?

Insurance carriers base premiums on estimated exposures such as payroll, sales or subcontracted labor. Because those metrics naturally shift over time, the final premium must align with actual operations — not last year’s estimate. With 91������’s annual premium audit service, you gain clarity: you see exactly what the carrier reviewed, and you know the premium you pay is aligned with your business today.

“At 91������ we believe the premium audit is a strategic checkpoint — not a surprise,” says John Coffaro, AVP, Premium Audit at 91������. “It gives our policyholders the visibility they deserve and ensures they are paying only for the risk they actually carry.”

Key features of our annual premium audit include a straightforward, web-enabled process designed to fit your schedule, premium audit consultants who understand your industry and business, and a timely, fair review of your operations—including payroll, sales, subcontracted labor liabilities, and departmental roles—to ensure your coverage accurately reflects your current exposures.

How the Annual Premium Audit Works at 91������

1. 1. After your policy period ends, your 91������ auditor schedules a consultation to review your operations and exposures.
   2. You’ll gather the material — payroll registers, tax journals, ledgers, certificates of insurance for subcontractors — and provide subscriber access via our Premium Audit Portal powered by .
   3. In the portal you upload payroll data (it accepts many major third-party payroll providers), document business operations via the intuitive questionnaire, and share other required files.
   4. Your auditor reviews the submitted materials and collaborates with you to determine final exposures.
   5. The outcome: your premium is either confirmed correct as originally estimated, reduced (if exposures were less than estimated) or adjusted upward (if exposures were greater). Either way, you come away with assurance your coverage cost matches your business.

Our Premium Audit Portal Highlights

• Automated status emails keep your team informed.
• 24/7 secure access, enabling uploads, profile updates and shared visibility with your auditor.
• Payroll Validator feature reduces manual entry — automatically loads payroll from compatible providers.
• Same-day visibility for you and the auditor.

The Business Case for Premium Audits

Beyond transparency and fairness, an annual premium audit carries strategic value for policyholders in the manufacturing, construction and healthcare industries. For one, accurate classification of job roles and exposures helps avoid paying for risk you no longer bear. For carriers, timely and accurate audits premium leakage and bolster underwriting integrity, especially as technologies such as artificial intelligence and data analytics are increasingly applied to audit workflows.

From a risk-management perspective, audit outcomes are connected to workplace safety: the Occupational Safety and Health Administration (OSHA) that worker injuries and illnesses have fallen from about 10.9 incidents per 100 workers in 1972 to approximately 2.4 per 100 in 2023. Meanwhile the Bureau of Labor Statistics (BLS) 5,283 fatal work injuries in 2023 across U.S. workplaces (a rate of roughly 3.5 per 100,000 full-time equivalent workers).

While these numbers don’t directly dictate premium audit outcomes, the underlying safety culture, classification accuracy and exposure transparency influence how auditors evaluate operations and how carriers price risk.

“In short, the audit is more than paperwork,” explains Coffaro. “When you complete the audit process, you not only validate your operations — you position your business to control cost, optimize classification and ensure your premium is right.”

Best Practices for Policyholders

Start Early: Have your payroll register job duties by role subcontractor certificates and income and expense logs ready. These are among the most requested items.

Use Our Portal: simplifies the upload process and keeps your audit on-track.

Collaborate with Your Auditor: The consultation is your chance to explain operational changes (new facility, major equipment, headcount shifts) and ensure they’re accurately captured.

Leverage the Outcome: If the audit shows lower exposure than estimated, you may be eligible for a refund or credit. If exposures are higher, use the results to budget and optimize for the next policy period.

Turn Audit Insights into Strategy: Use classification and exposure details from the audit to guide safety, cost-control and operational planning. Accurate classification supports proper premium treatment and a reliable experience-mod, strengthened by OSHA’s requirement to maintain clear injury and illness records.

Looking Ahead

In a time of evolving labor models, business growth and technological innovation, premium accuracy matters more than ever. 91������ remains committed to investing in audit transparency, digital convenience and consultative expertise so businesses can benefit from coverage that aligns with real-world operations.

Discover how 91������’s Premium Audit service delivers clarity, transparency, and confidence in your coverage. Learn more about the process, explore helpful resources, or connect with an expert auditor today.

91������ is thrilled to announce that it has been named the Policyholder Experience Knockout Champion at this year’s Excellence in Insurance awards ceremony, hosted in Amelia Island, FL. This prestigious event, sponsored by , celebrates the exceptional achievements of P&C organizations in areas such as claims, automation, data and analytics, digital experience, and industry innovation.

“We are honored to receive the Policyholder Experience Knockout Champion award, which underscores our dedication to providing an exceptional experience for our policyholders through innovation and adaptability,” said Kevin Clary, VP of Risk Management at 91������. “Leveraging has allowed us to streamline our processes, automate critical tasks, and create an intuitive user experience that boosts policyholder satisfaction and loyalty.”

Innovative Solutions Unveiled

During the COVID-19 pandemic, 91������ faced significant operational challenges, particularly with the inefficiencies of traditional mail-in audit processes for policyholders working in remote environments. In response, 91������ looked for ways to enhance and leverage functionalities within Insurity’s Sure Premium Audit software to act as a portal for policyholders to complete the audit. Through this iterative process opportunities were identified to automate and modernize aspects of the audit experience. One specific example of this was becoming an early adopter of the Payroll Validator feature. This strategic advancement has significantly enhanced policyholder satisfaction by offering greater transparency, convenience, user experience, and timely communication.

Throughout the development of the Premium Audit Portal, an iterative and agile approach actively incorporated feedback from both employees and policyholders to fine-tune the virtual audit process. This focus on continuous improvement and clear change management through our online portal has transformed the policyholder audit experience into a simplified, self-directed process. Policyholders are kept informed through automated email communications, ensuring they have clear direction on what needs to be done, staying engaged and up-to-date throughout the audit.

Policyholders have noticed and appreciated the modernized digital experience. One policyholder shared, “This was our first year with 91������ and the process couldn’t have been easier; I think the auditor actually took the time to learn what we really do instead of trying to teach me what I needed to send.” Another added, “We have been with 91������ for over 10 years and this by far was the easiest most professional audit experience we have had to date.”

Partnership and Progress

“With over 100 years in business, 91������ continues to lead the industry with a strong focus on policyholder satisfaction, embracing technology to deliver intuitive, effective solutions that set a benchmark for others to follow,” said Chris Lafond, Chief Executive Officer at Insurity. “We’re thrilled to recognize their exceptional achievements and proud to be their partner in pushing the boundaries of what’s possible in insurance.”

This recognition is a testament to 91������’s commitment to excellence and innovation, as we continue to elevate the policyholder experience through advanced technology and responsive design. We look forward to maintaining our leadership in the industry and delivering superior service to our agents and policyholders.