Got an insurance audit notice? Don't pay a dollar more than you owe. Audit Monkey prepares, reviews, and disputes workers comp and general liability audits for Florida businesses — and we've recovered over $10M in overcharges.
We organize all payroll records, COIs, 1099s, and class code documentation the carrier needs.
We review every line of your audit bill for misclassifications, missing credits, and calculation errors.
If the audit is wrong, we build the dispute case and communicate directly with the carrier on your behalf.
Florida workers comp audits are our specialty — we know every class code and credit available to you.
GL audits based on revenue or payroll — we verify the carrier is using the right numbers.
Monthly bookkeeping and payroll management that keeps you audit-ready year-round.
Florida insurance auditors are not on your side. Their job is to find reasons to charge you more premium. Without proper documentation, they will misclassify your employees into higher-rate class codes, ignore subcontractor certificates of insurance, and use gross payroll instead of properly segregated figures.
The result: audit bills that are thousands — sometimes tens of thousands — of dollars higher than they should be. Most Florida business owners just pay them because they don't know they can fight back. Audit Monkey does.
Workers placed in higher-risk class codes than their actual job duties warrant.
Subcontractor certificates of insurance not credited, causing their payroll to be included in your audit.
Overtime, tips, and excluded payments not properly segregated from auditable payroll.
GL audits using gross revenue instead of net or excluding non-auditable income.
An insurance audit is a review conducted by your insurance carrier (not the IRS or government) to verify that your actual payroll, revenue, or operations match what was estimated when your policy was written. In Florida, workers compensation and general liability policies are audited annually. If your actual numbers are higher than estimated, you owe more premium. If lower, you get a refund — but only if your records are accurate.
Yes. Insurance audit bills are frequently wrong — carriers misclassify employees, fail to credit subcontractor certificates of insurance, or use incorrect class codes. Audit Monkey has helped Florida businesses recover over $10M in insurance overcharges by disputing inaccurate audit findings.
For a Florida workers comp audit, you typically need: payroll records for all employees, certificates of insurance (COIs) for all subcontractors, 1099 forms, overtime records, and any job-specific payroll breakdowns. Audit Monkey organizes and prepares all of these for you.
Most insurance audits in Florida take 2–6 weeks from the initial request to final billing. With proper preparation, Audit Monkey can typically have your documentation ready within 5–10 business days of engagement.
Free consultation. We'll review your audit notice and tell you if you're being overcharged — at no cost to you.