General Audit Information

An insurance premium audit is a review of your business operations and performance at the end of your policy term. This process verifies whether your initial estimates were accurate and helps ensure your premium matches your actual exposures.

Learn More About the Audit Process

Depending on the type of policy being audited, yes. A premium audit is a condition of your insurance contract.

We perform audits for workers compensation, general liability, property, and commercial auto insurance policies.

Failure to respond and cooperate with the audit process can have significant consequences. Which may include an audit non-compliance charge, cancellation of an active policy, being reported as non-compliant to the insurance bureau in your state or referral to a collections vendor.

You will receive documentation indicating who your auditor is upon expiration of your policy. You may also hear from them directly via phone or email if they have questions or to review your audit results. If you can’t find their email, complete this form and a member of our team will reach out to you.

We solely support Berkley businesses.

Please email us with your policy number, effective date, and zip code to verify, or fill out this form.

Reach out to your auditor or complete this form and a member of our team will reach out to you.

Documentation & Submission

You will be advised at the start of your audit what documentation to provide. To prepare ahead of time, here are some of the commonly requested documents:

  • Page 1 of Federal 941 Quarterly Reports (the Quarters reflecting the audit period)
  • Payroll Summary or Payroll Report that shows Gross Payroll and OT amounts by Employee
  • A list of employees and their detailed job duties
  • Profit and Loss Statement for the policy period (this is for verification of subcontractor costs or gross sales)
  • Report showing all subcontractors and the total amount paid to them during the policy period. Please include materials breakdown, if applicable
  • Certificates of Insurance for Subcontractors

You may email your audit documentation to us at BPAEastAudit@wrberkley.com.

If the file is too big to email, reach out to our customer service team to receive a ‘Secure File Share’ link to submit your documentation.

Yes, we use ‘Berkley Secure File Share’. Please reach out to our customer service team for the link.

Audit Results, Billing & Disputes

If you have concerns about a portion of the audit and want to file a dispute, reach out to us. You’ll need to provide supporting documentation which your auditor will then review.

For all billing questions, reach out to the Berkley business that issued your policy.

If you have a question about the audit results, you may reach out to your auditor or contact us.

Yes, please email us with your policy number, effective date, and zip code to verify, or fill out this form.

Approved Third-Party Audit Partners

Special Cases

Some states perform Test Audits at random to monitor and maintain quality within the premium audit process across insurers. This is only for workers compensation policies.

They will request that you provide the same documentation you provided to Berkley Premium Audit Services (BPAS) to conduct your audit.

If you have questions about how you navigate this process, please contact us.

Berkley Partners