As your business operations change, so may your insurance premium. At Liberty Mutual Insurance, we conduct premium audits to make sure that the premium you pay for your coverage accurately reflects your business’s operations over the policy period. An audit doesn’t always mean a higher premium. In fact, it could be a positive experience for your company because it may lower your premium.
Your policy premium is based on payroll or sales estimates you provide prior to your policy start date. At the end of the policy period, we review your records to determine your actual payroll or sales figures and to adjust the estimates based on these amounts. To calculate the final earned premium, we may come to your location or request that you send us the information.
If you have questions about the premium audit process, please review the information below, including definitions of frequently used terms, or contact us for more information at the phone number or email address listed to the right.
Mail Audit FAQs
Online Reporting (eReport) FAQs
Physical Audit FAQs
You may encounter the following terms while providing information to us for your premium audit.
Premium Audit Questions
If your policy number is in the 15-character, alphanumeric format (e.g. WCC-123-456789-015):
Online Request FormFax:
1-603-422-0144 (Mail Forms)1-603-334-0291 (Disputes)
For all other policy number formats:
1-888-224-9246EmailOnline Request FormFax: 1-800-800-3723