Mail Audit Frequently Asked Questions​

Review the frequently asked questions below to learn more about the mail audit process.

What is the purpose of a premium audit?
​The purpose is to determine actual exposures and classes of operation for the coverage we provided. A premium audit protects both of us. Our auditors undertake this review to learn whether you overpaid for coverage, in which case your final bill will be reduced. If you underpaid, your final bill may be adjusted upward. Finally if risks, coverages, and exposures match what we projected, your final bill remains the same.
 
In addition, information filed as part of unit statistical data reporting determines your experience modification and establishes appropriate premium rates for each state.
​Whom do I contact with questions on how to complete the audit form?
​You can get in touch with our premium audit or customer services staff for support throughout this process.
  • Complete the online request form listed at the right with your specific question(s).
  • Email us with your question, name, and policy number(s).
  • Call our customer service staff at 1-888-224-9246, Monday through Friday, 8:00 a.m. to 7:00 p.m. Eastern time.
​How do I submit the completed audit form?
​You can submit your complete audit form via:
 
 
Fax: 1-800-575-6308
 
Mail:
Liberty Mutual Insurance, Premium Audit Services
9450 Seward Rd.
Fairfield, OH 45014
 
eReport (Online Audit Completion):
Qualified policyholders can now submit information online using our Premium Audit Report (eReport) tool. Eligible policyholders will receive letter invitations with access codes for eReport along with the traditional hard-copy mail forms via USPS.
​How can I request another copy of the audit form?
​To request a copy of the audit form, please:
  • Use our online request form
  • Email us with your name and policy number(s), or
  • Call our customer service staff at 1-888-224-9246, Monday through Friday, 8:00 a.m. to 7:00 p.m. Eastern time.
​Once the audit form is submitted, when and how will I know the outcome?
After you submit the audit form (or, in some cases, visit with an auditor), you will receive an audit statement reflecting the adjustment of exposures on your policy to the audit findings. The statement will reflect an additional premium due to us, a premium credit due to you, or no change in premium, as applicable.
​Can I have a copy of the worksheets the auditor created?
​Yes. To request a copy, please:
  • Use our online request form
  • Email us with your name and policy number(s)
  • Call our customer service staff at 1-888-224-9246, Monday through Friday, 8:00 a.m. to 7:00 p.m. Eastern time.
​Who can obtain copies of the completed self-audit and/or audit worksheets?
We send copies of audit worksheets and self-audit mail form information to the attention of your business's audit contact. We must receive written approval from your audit contact prior to providing copies of the audit worksheets to your agent or broker.
​May I have an extension to fill out the form?
Please call our Customer Service Department at 1-888-224-9246 for assistance with an extension.
​May I request a physical audit instead of having to fill out the form?
​Yes. To request a physical audit, please:
  • Use our online request form.
  • Email us with your name and policy number(s).
  • Call our customer service staff at 1-888-224-9246, Monday through Friday, 8:00 a.m. to 7:00 p.m. Eastern time.
The premium audit staff will review your request and the complexity of the policy to make a determination.
​What happens if I do not submit the form or visit with an auditor?
​If you fail to respond, respond after the deadline, or provide inaccurate information, your auditor will submit estimated data. Potential outcomes can include:
  • Increased premiums
  • The possibility of inaccurate or outdated data being used in calculating your experience modification
  • Additional work for all parties to correct incomplete or inaccurate data
  • Carrier exposure to penalties and fines for noncompliance with state regulations
If you received an estimated audit, you still have an opportunity to comply and potentially have your audit revised. To do so, please send us your completed audit form or call our customer service team at 1-888-224-9246 to reschedule your appointment.

​You can submit your complete audit form via:
 
 
Fax: 1-800-575-6308
 
Mail:
Liberty Mutual Insurance, Premium Audit Services
9450 Seward Rd.
Fairfield, OH 45014
 
eReport (Online Audit Completion):
Beginning June 13, 2016, policyholders with noncomplex accounts will be eligible to use eReport to submit premium audit information online. A letter invitation and access code for eReport will be delivered to eligible policyholders along with the traditional hard-copy mail form via USPS. These policyholders can choose to return information using the hard-copy form, or submit the information online through eReport.  
​I believe that there has been an error in my audit findings. How do I get this corrected?
​To dispute an audit, please:
  • Use our online request form.
  • Email us with your name and policy number(s).
  • Call our customer service staff at 1-888-224-9246, Monday through Friday, 8:00 a.m. to 7:00 p.m. Eastern time.
​How do I find out the status of my audit?
Please complete our online service request form, and a customer service representative will respond with this information.
​What constitutes a subcontractor?
Subcontractors are generally performing the same type of work that your company is doing (except in the construction field). Workers compensation law stipulates that a contractor is responsible for the payment of compensation benefits to employees of its uninsured subcontractors. If a subcontractor has no employees, the auditor will assess whether an employer/employee relationship exists to determine independence. As part of the assessment, we may ask you to provide additional information such as business cards, invoices, yellow pages ads, job proposals, etc.
​Why do I need to provide an income statement for a general liability audit?
Just like requiring 941 forms for a payroll or workers compensation audit as a reconciliation source, we need a second source to verify your company sales figures. Other sources that we can use to verify sales figures are sales journals, general ledgers, trial balance, profit and loss statements, annual reports, income tax returns, state sales tax reports, etc.

 

​Premium Audit Questions

For questions please contact our customer service team:

1-888-224-9246
Email
Online Request Form
Fax: 1-800-800-3723 

If your policy number is in the 15-character, alphanumeric format (e.g. WCC-123-456789-015):

1-800-231-3484
E-mail
Online Request Form
Fax:
1-603-422-0144 (Mail Forms)
1-603-334-0291 (Disputes)