In this ever-changing environment, our premium auditors are being extremely flexible. There is no need to complete your premium audit immediately. However, we still want to ensure you are only paying premium on the coverage you need. Your premium auditor can work with you to schedule a time in the future that will work best for you to conduct your audit in person or virtually.
All our premium auditors have suspended in-person visits through at least July 1st. Auditors will begin conducting field audits on a state by state basis according to Liberty Mutual Re-entry Guidelines. However, we have other ways of conducting premium audits including online and virtually. Your premium auditor will share which process can work best for your business and your current situation.
Liberty Mutual has implemented a global travel restriction for all employees through at least July 1st. For the safety of our employees and yours, no in-person audits are to be conducted prior to at least July 1st. Auditors will begin conducting field audits on a state by state basis according to Liberty Mutual Re-entry Guidelines and can schedule a time that is mutually convenient.
In this ever-changing environment, our premium auditors are being extremely flexible. There is no need to complete your premium audit in person if your company is not ready for an in-person visit. Your auditor will work with you to perform you audit virtually or schedule an in-person audit after your company's no visitor policy has been lifted and the auditor is authorized to return to the field in your state.
Yes, all auditors have been issued appropriate Personal Protective Equipment including masks and hand sanitizer. They have been instructed to adhere to social distancing guidelines.
Please mail copies of your records (not originals) and contact your premium auditor so they know to expect them. You can mail copies of your audit records to: Premium Audit, 100 Liberty Way, Dover, NH 03820. Please mark the attention to your auditor and reference your policy number. We also accept records via e-mail
PremiumAuditServices@LibertyMutual.com or via fax 1-866-809-7806.
If you are having trouble reaching your premium auditor, please contact our customer support team at 1-888-224-9246 and they will assist you.
Yes, you can do this when you and your business are in a better situation to access your records. For all states, you can complete your audit online up to six (6) months after your policy expires by using the same secure access code. If you need longer than six months, we ask that you contact our customer support team at 1-888-224-9246 to request a longer extension.
Yes, you may have additional time. You can complete your audit online up to 6 months after your policy expires by using the same secure access code. If you need longer than six months, we ask that you contact our customer support team at 1-888-224-9246. We are not issuing non-compliant audit charges for customers who are impacted due to COVID-19.
Yes, you can do this when you and your business are in a better situation to access your records. We ask that you contact our customer support team at 1-888-224-9246 to let us know.
We are sorry that you made the difficult decision to close your business because of COVID-19. As your policy is based on estimated exposure, your final premium audit will determine your final premium. You should contact your agent/broker regarding the impact to your policy.
Please contact your agent/broker to discuss these changes and they will work with members of our underwriting team on your behalf.
We have worked with the National Council on Compensation Insurance (NCCI) as well as all the regulatory state bureaus to understand how to handle these situations at audit. Please keep appropriate payroll records to show your premium auditor if you have employees who have been furloughed (still being paid but not performing work) or who have had a temporary change in job duties. Examples of temporary changes in job duties:
- Field employees temporarily working from home
- Field employees temporarily performing clerical/office/yard duties
- Employees now performing delivery services (ex: restaurant server now delivering food)
Please see below for state-specific class code information for furloughed wages:
- Most states have adopted the use of class code 0012 as the placeholder for these wages. There will be no premium charge for these wages.
- Delaware and Pennsylvania will use code 1212 for these wages. There will be no premium charge for these wages either.
- New York is using class code 8873. This is a telecommuter type class code and is a rate like clerical.
For coverage questions, please contact your agent/broker. Please provide any gross sales for these items to your premium auditor for review. If these items were donated, please provide your auditor with market value of these items or quantity of items donated.
For coverage questions, please contact your agent/broker. Please provide any gross sales for these items to your premium auditor for review. If hand sanitizer was donated, please provide your auditor with market value or quantity of hand sanitizer donated.
