Smart Audits. Bold Insights.
Audit Monkey is the only Florida bookkeeping and payroll firm with deep PEO industry experience and a proven track record of winning insurance audit disputes — built exclusively for contractors who can't afford to get it wrong.
The Numbers Florida Contractors Trust
From job-cost bookkeeping to workers' comp audit defense — we understand the financial complexity of running a contracting business in Florida because we've lived it from the PEO side.
Generic bookkeepers don't understand job costing, certified payroll, or how to track expenses by project. We do. Audit Monkey provides bookkeeping built specifically for Florida contractors — roofing, construction, landscaping, and trades — with records that hold up under insurance audits and bonding reviews.
Our team comes from the PEO industry — we've processed payroll for hundreds of Florida contractors and know exactly how to classify workers, manage multi-trade payroll codes, and stay compliant with Florida's strict workers' comp requirements. We eliminate the payroll mistakes that trigger expensive insurance audits.
Workers' compensation and general liability audits are where Florida contractors get blindsided. Audit Monkey was built to fight back. We prepare your documentation, verify every worker classification, track subcontractor COIs, and dispute incorrect audit findings — we've recovered over $10M in overcharges for Florida contractors.
Every uninsured or misclassified subcontractor is a liability that shows up at audit time — and costs you. Audit Monkey acts as your full-time compliance partner: we collect and track every sub's Certificate of Insurance (COI), monitor expiration dates, chase renewals, verify coverage meets your policy requirements, and ensure subs are paid correctly. When your insurance auditor arrives, your subcontractor file is bulletproof. We also handle 1099 preparation and worker classification reviews so you're never caught off guard.
Most bookkeepers have never seen a workers' comp audit. Most payroll companies don't understand PEO compliance. Audit Monkey sits at the intersection of all three — and we do it in English and Spanish.
Our team comes directly from the Professional Employer Organization (PEO) industry. We've processed payroll for hundreds of Florida contractors and know every compliance trap before it catches you.
We've disputed and recovered over $10 million in insurance audit overcharges for Florida contractors. We know exactly what auditors look for — and how to fight back when they get it wrong.
We serve roofing, construction, landscaping, trades, and specialty contractors exclusively. We understand job costing, subcontractor risk, multi-trade payroll codes, and certified payroll requirements.
Our entire team operates fluently in both English and Spanish. All reports, calls, and consultations are available in your preferred language — critical for Florida's diverse contractor workforce.
No surprise bills. We quote a flat monthly rate so you always know exactly what you're paying. No hourly billing, no audit surprises.
We serve all of Florida remotely via secure encrypted portals. On-site visits available. We're Florida-based and understand the state's specific insurance and labor requirements.
We start with a no-obligation call to review your current books, payroll setup, and insurance situation. We identify risk areas and overcharges most contractors don't even know exist.
We build a tailored service plan with flat-rate pricing — covering bookkeeping, payroll, subcontractor compliance, and audit defense based on your specific trade, crew size, and risk profile.
We handle your books, payroll, and compliance every month. When audit season arrives, you're already ready. We proactively flag issues before they become expensive problems.
Florida Contractors: Stop Overpaying
Florida contractors lose thousands — sometimes tens of thousands — every year to incorrect insurance audit charges and misclassified workers. Audit Monkey was built to prevent exactly that.
Reach out for a free, no-obligation consultation. We serve all of Florida in English and Spanish — and we specialize in contractors.
Serving All of Florida
Miami · Orlando · Tampa · Fort Lauderdale · Jacksonville · Naples · Fort Myers · Sarasota · West Palm Beach · Gainesville · Tallahassee · Pensacola · and all Florida communities.
Straight answers for roofing, construction, and trade contractors across Florida.
Florida contractors face a unique combination of financial risks that general accountants are not equipped to handle: mandatory workers' compensation insurance audits, subcontractor COI compliance requirements, multi-trade payroll codes, job costing, and certified payroll for certain projects. A single misclassified worker or missing subcontractor COI can trigger thousands of dollars in additional insurance premiums. Audit Monkey was built specifically for this environment — our team comes from the PEO industry and has processed payroll and managed compliance for hundreds of Florida contractors.
A Professional Employer Organization (PEO) is a company that co-employs workers on behalf of client businesses, handling payroll, HR, and workers' compensation coverage. Our team spent years inside the PEO industry processing payroll for Florida contractors — which means we understand worker classification, multi-trade payroll codes, experience modifiers, and exactly how insurance carriers audit contractor payrolls. That insider knowledge is what allows us to protect your business from overpaying on insurance audits.
Insurance carriers frequently misclassify workers, fail to apply subcontractor exclusions, or use incorrect payroll figures during audits — resulting in inflated premium bills. Our process involves reviewing every line of the audit, cross-referencing worker classifications against Florida's NCCI codes, verifying all subcontractor COIs were properly excluded, and formally disputing any incorrect charges with documented evidence. Over the years, these disputes have recovered over $10 million in overcharges for our Florida contractor clients.
Audit Monkey serves roofing contractors, general contractors, electrical contractors, plumbing contractors, HVAC companies, landscaping businesses, painting contractors, concrete and masonry companies, and other specialty trades throughout Florida. We also serve staffing companies that supply labor to contractors and cannabis operators with complex compliance needs. If you use subcontractors or carry workers' compensation insurance in Florida, we can help you.
Yes — Audit Monkey provides fully bilingual bookkeeping, payroll, and compliance services in both English and Spanish. Our entire team is fluent in both languages. This is especially important for Florida's large Spanish-speaking contractor workforce, where language barriers can lead to payroll errors, misclassifications, and compliance gaps that cost money at audit time.
Audit Monkey serves contractors across all of Florida, including Miami, Orlando, Tampa, Fort Lauderdale, Jacksonville, Naples, Fort Myers, Sarasota, West Palm Beach, Gainesville, Tallahassee, Pensacola, and all surrounding communities. We operate primarily remotely via secure encrypted portals, so we can serve any Florida contractor regardless of location.