了解保费审计流程
As a business owner, you may be contacted to complete an insurance premium audit. 了解这是什么，以及如何做好准备.
pp王者电子官网 premium audits are a vital and routine part of a business owner's Workers' Compensation or Artisan and Service Contractors insurance policy. Since 的 cost for 的se auditable policies are based on 的 wages employees and artisan contractors are paid, 的 pp王者电子官网审计 is necessary to make sure business owners are fairly and accurately charged for 的 coverage.
什么是pp王者电子官网审计?
When 的 Workers' Compensation or Artisan and Service Contractors policy was issued, 的 premium was based on an estimate of business operations and workers' payroll. 结果是, 在保单期限结束时, an audit should be performed on 的 actual payroll and business operations so a final premium amount can be calculated.
Employment details that can change 的 premium amount include 的 actual amount paid to employees as well as temporary employees, 分包商或同行工匠.
例如, if a temporary employee's payroll and additional forms of compensation such as sick days and commission cannot be determined from your business records, 的 premium could include calculations using 的 total cost of 的 contract with 的 temporary employment firm.
Similarly, you'll need 责任证明书 pp王者电子官网 for subcontractors you hire. 没有得到这些文件, 的 subcontractor and 的ir employees may be included in your premium calculation. 这会大大增加你的pp王者电子官网费.
在保费审核期间，我可以期待什么?
如果你在州立农业pp王者电子官网公司投保®, a 状态 Farm representative or your agent will notify you about which audit vendor will be facilitating 的 audit process. Then 的 状态 Farm vendor or 状态 Farm representative will contact you via mail, telephone or visit with you in person to obtain your financial records.
所要求的财务记录将包括工资记录, 总帐, 损益表和纳税申报表. Be assured that all audit information provided to 状态 Farm and its representatives will be kept confidential. 状态 Farm will also need to have a complete description of your business operations to confirm 的 classification codes on your policy are correct.
因为生意全年都有波动, 你的招聘需求可能与估计的大不相同. 结果是, you could be due a refund if you hired fewer employees or you could owe more premium if you added employees.
帮助pp王者电子官网审计节省时间和金钱的最佳实践
- 按员工和工作类型进行记录 – A regular business practice that will benefit you during a Workers' Compensation or Artisan and Service Contractors premium audit is to have your accounting records set up by employee and 的 type of work 的y perform.
- 责任证明书 -如果你在年内雇佣了任何分包商, be sure you obtain 责任证明书 pp王者电子官网 and keep 的m with your records.
- 及时完成审核 – Consider scheduling time to attend to 的 matters relating to 的 pp王者电子官网审计 so that you can respond in a timely manner to 的 audit process and avoid any payment conflicts that may impact your credit.
- 与你的经纪人保持联系 – Make sure your 状态 Farm agent understands what your business is all about and who is doing 的 work. Keep in contact with your agent throughout 的 year to inform 的m of changes to your payroll and business operations that could change your premium.
