Your broker is a coverage specialist.  We are not coverage specialists.

 

On the other hand your broker is not an auditor, and there's no shame in that. 

 

In fact, find one of the letters you received from your broker that accompanied your most recent or any of your work comp final audit statements.  No matter which brokerage firm you are with that letter says something almost identical to the following:  "​The audit appears to be accurate based on our review.  Please review your payroll records to ensure they accurately....." 

 

The responsibility for ensuring the accuracy of your final payroll audit and properly capturing only workers' comp payroll is yours.

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Remember, the payroll audit is only one of the elements that determine your final premium.   There are many more all of which are prone to errors; proper classification, proper Experience Modification Rate calculation, Bureau Manual rule compliance, and plenty other underwriting issues.

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Also, consider the role of the insurance company's premium auditor who visits you annually.  He/she is not there to do any favors for you.  He determines how to classify your workers (strong possibility for errors) and how much payroll is to be included (strong possibility for errors).  The auditor determines whether to charge for subcontractors.  They are not there to advise you on how to lower your premiums.