Workers' comp · General liability · Commercial auto
Payroll, class codes, subcontractors: every exposure figure on your policy was an estimate the day you signed it. Twelve months later an auditor arrives with the real ones, and the invoice follows. Counterline holds the record of your exposure, recomputes the audited premium against it, and documents each variance with the rule that produced it.
Roughly six in ten workers' compensation audits end in an additional premium charge, three in ten in a refund, one in ten in no change at all [1]. The refunds are the interesting number: nobody chases them, because nobody has the figures to ask.
At audit, labor paid to an uninsured subcontractor is reclassified onto your payroll at your own class rate [5]. The work was done in March. You find out in February, at your rate, with interest on the delay.
Audit disputes turn on payroll allocation, class code assignment, subcontractor charges and missing documentation [6]. Without a dated record of exposure that existed before the invoice, you are arguing recollection against a worksheet. So you pay.
Your broker keeps a list. Payroll keeps another. Operations keeps a third in a shared sheet that stopped being a reference the moment a second person opened it. Counterline keeps one register, and every entry is timestamped, signed and immutable. A correction is made by reverse entry, never by rewriting.
| Effective | Entry | Unit | Class | Exposure effect | Rule and source |
|---|---|---|---|---|---|
| 01/04/2026 | Term opened | All entities | 5645 / 8810 | $4,200,000 est. | Estimated payroll per the signed application. Locked as the deposit basis, never edited afterwards. |
| 03/17/2026 | Crew reclassified | Framing crew, 6 heads | 5403 to 5645 | -$18,400 | Residential carpentry separated from commercial framing on the payroll ledger. Rate differential applied from the effective date, not the discovery date. |
| 05/02/2026 | Certificate expired | Vendor 214, drywall | 5645 | $152,000 at risk | Certificate of insurance lapsed while an open purchase order was running. Flagged the day the invoice was coded. The exposure is live from that date until a valid certificate is filed. |
| 06/11/2026 | Certificate filed | Vendor 214, drywall | 5645 | -$152,000 | Valid certificate received covering 05/02 to 12/31. Exposure closed. Both the flag and its resolution remain visible in the register. |
| 08/29/2026 | Reverse entry | Payroll batch 31 | 8810 | -$41,600 | A clerical batch was posted twice. The first entry is not deleted: it is reversed, dated, and signed. What an auditor sees is the correction and its reason, which is the only version that survives a dispute. |
| 11/30/2026 | Open claim reserve | Claim 2026-0074 | Mod exposure | An unsettled reserve carried at full value into the experience modification calculation, visible before the promulgation date rather than after it. |
Per-employee pricing measures the wrong thing. Counterline is indexed on audited premium, because that is what is exposed. On a $2,000,000 program, a $28,000 subscription is 1.4% of premium against a range of adjustment risk the industry itself puts between 0 and 18% [3] [2].
$4,500 one-off · from
$14,000 per year
$28,000 per year
Annual, paid in advance. Three-year terms carry an 8% discount against a contractual 4% annual uplift. Optional success fee: 15% of validated variance recovered or avoided in year one, capped at 1.5 times the annual subscription. Full data export at any time, without conditions.
Send us the last audit worksheet you received. We recompute it line by line and return the list of variances, each with the rule that produced it and the amount in play. Offered once, no engagement, no obligation to continue. If the answer is zero, you will know your program is clean. That is worth knowing too.
Worksheets are reviewed under a mutual non-disclosure agreement. We do not contact your carrier or your broker without your written instruction.