​Online Audit (eReport) FAQs

In order to streamline the premium auditing process, 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.

By using premium audit eReport, you can:

  • Securely submit your coverage and exposure information via our easy-to-use online form
  • Save in-progress work and complete at a later date
  • Share access with trusted third parties, such as your agent and accountant
  • Obtain relevant information you may need to complete the audit
  • Be guided through the entry process with explanations, tips, examples, graphics
  • Access dashboard with status of all auditable policies within an account
  • Send, print or save a copy of your submission
  • Measure your experience and to collect suggestions for improvements through our survey

As we continuously improve eReport, more features and details will be added to enhance the policyholder experience.

Learn more about eReport by reviewing the frequently asked questions below.

Online Audit (eReport) Help

​What information will I need when filling out the eReport?
​When filling out your eReport, you will be asked to provide some of the following information, such as: 
  • General information, including company and contact information
  • Names of Owners and Officers
  • Payroll information
  • List of Contractors/Subcontractors
  • Sales and other premium relevant information
  • Claims information 
eReport will only display screens that are relevant to your policy.
​How do I navigate through the eReport when filling it out?
The navigation buttons the page will allow you to continue to the next page of your report, go back or save your report in progress. Please be aware that you will not be able to continue to the next page without completely filling out the current page. Always save a draft before leaving eReport so you can start where you left off next time you log on.
​How do I save and print my eReport?
Once you have completed and submitted your eReport, return to the eReport dashboard. Click on the “View Submission” link and you will be able to open your submitted report as a PDF, which you can then save or print. 

Learn more about printing and saving your eReport audit.
​Can I attach supporting documents to my eReport?
Before you submit your eReport, you will be able to attach additional documents for your auditor to see. There is no reason to attach a copy of your policy.
​Are there any troubleshooting tools to help me while I am filling out my report?
While filling out your report, look for a question mark symbol. This symbol will provide tips to help you complete questions in your eReport. In addition to these tips, you can access the help section on every screen. The help section has customer support contact information as well as links to the Premium Audit webpage, where you can access an online glossary, FAQs, and other detailed information.

General Audit Help 

​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.
​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.
​How do you define an owner or officer for audit purposes?
An owner or officer includes any corporate officer, limited liability company member, partner or sole proprietor. A corporate officer is defined as a President, Vice President, Secretary or Treasurer or other Executive Officer elected or appointed in accordance with the charter, bylaws, articles or legal documentation an organization.
​Should I include officer or owners’ names and payrolls in the Payroll Information Section?
No, please do not include officer names and payrolls within this section. Officer names and payrolls should be included under the Owner & Officer Information Section. If there are multiple owners/officers, additional lines can be added using the “+ Add a Row” link.
​What if there was any payroll during the audit period that does not fall under the classifications listed above?
If any of the listed classifications do not fit an employee’s specific job function, then answer “Yes” to the question below the payroll section.  Be sure to include employees’ duties under the “Job Duties” column as well as all other applicable information.
​May the payroll of employees with multiple duties be split between class codes?
Some employees may perform duties directly related to more than one properly assigned classification. According to The National Council on Compensation Insurance (NCCI) Basic Manual Rule 2-G, the payroll for such employees may be divided among the properly assigned classifications* provided that:
  • The classifications can be properly assigned to the employer according to the rules of the classification system, and the employer maintains proper payroll records that show the actual payroll by classification for that individual employee (hourly breakdowns, time cards, etc.). Estimated or percentage allocation of payroll is not permitted.
  • Records must reflect actual time spent working within each job classification and an average hourly wage comparable to the wage rates for such employees within the employer's industry.
If payroll records do not show the actual payroll applicable to each classification, the entire payroll of the individual employee must be assigned to the highest-rated classification that represents any part of his or her work. In addition, payroll cannot be split between a clerical or sales class code and a basic classification. All payroll exposure will be included in the higher-rated class code due to the Interchange of Labor rule.

*Construction classifications are handled differently from other industries. Contact your auditor for more information.
​How should I list someone who is involved in clerical, outside sales, and/or the actual physical operations of my business?
The National Council on Compensation Insurance (NCCI) Basic Manual does not allow businesses to split payroll between clerical, outside sales, and basic classifications.  While employees who are fully (100%) engaged in clerical, driving, or outside sales roles are excluded from the general liability audited exposure, their information should be provided for reconciliation purposes.
​Should my audit include employees who were terminated during the policy period?
Yes. Since those employees were compensated during the policy period, their information must be included for the audit.
​If someone changes his or her job duties/responsibilities during the policy period, how should I list their payrolls?
In order to accurately reflect an employee’s duties/responsibilities during a policy period, split that employee’s actual payroll over two/numerous lines based on his or her job and earnings at any given time.
​When filling out my employees’ duties, how descriptive should I be?
​When completing your report, submit the following information for each of the following roles: 
  • Manager/Supervisor: What they are managing/supervising
  • Executive Supervisors/Job Foremen: Description of project and who they are managing
  • Quality Assurance: Please note if they are working in the plant
  • Plant Manager: What their regular roles and duties are
​Why are two sources of payroll requested for my audit?
For every audit, we use two separate sources for payroll verification. One is what you provide us in your report and the other is the Federal Form 941 figures noted on your mail form. Having two sources of verification ensures that the appropriate amount of payroll is applied to your audit. This confirmation validates the information provided and confirms your audit is as accurate as possible.

​Premium Audit Questions

For questions please contact our customer service team:

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):

Online Request Form
1-603-422-0144 (Mail Forms)
1-603-334-0291 (Disputes)