Commercial Insurance Audit Support in NYC
Q&A Tax Solutions helps small businesses across Brooklyn, Queens, Manhattan, and the greater New York area prepare for and respond to commercial insurance audits—especially general liability and workers’ compensation. From our Williamsburg office, we review audit notices, help you get records in order, and walk you through the process so you’re not dealing with premium calculations and class codes on your own.
A Smarter Approach to Commercial Insurance Audits
Commercial insurance audits can be confusing and stressful. Your carrier asks for payroll reports, sales numbers, and subcontractor details, then uses those figures to recalculate your general liability and workers’ comp premiums. If the information is incomplete or misclassified, you could end up with an unexpectedly large bill. Q&A Tax Solutions acts as your partner in this process—helping you understand what the auditor is asking for, organizing your records, and presenting your information clearly. We focus on making sure your exposures are reported accurately, your workers are classified correctly, and you understand any premium changes before you sign off.
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Trusted by Small Business Owners Across Brooklyn & NYC
Local contractors, trades, retailers, and other small businesses rely on Q&A Tax Solutions when insurance audit notices arrive. Clients appreciate having a team that understands how carriers think, what auditors are looking for, and how payroll and sales tie into premium calculations. Many owners stay with us year after year because they value knowing someone is watching out for classification errors, missing credits, and other issues that can drive premiums higher than they should be.
This place has been amazing in aiding me in my new business. Very timely and organized. Sary and Elsa have worked hand in hand with my business and personal taxes. 100% recommend!
- RB
Proudly Serving New York City and Beyond
Our Commercial Insurance Audit Services
Audit Notice Review & Game Plan
When you receive an audit notice from your insurance company, we start by reviewing the letter and explaining what type of audit it is and what they’re asking for. We help you understand how the audit affects your general liability or workers’ comp policies, what deadlines you’re working with, and which records you’ll need to gather. From there, we outline a step-by-step plan so the process feels structured instead of overwhelming.
Audit Preparation & Document Support
Strong preparation is the key to a smoother audit. We help you pull together payroll reports, quarterly tax filings, sales summaries, job-cost records, subcontractor invoices, and certificates of insurance where needed. Our team organizes this information in a way that makes sense to the auditor and highlights important details—like properly separating covered vs. excluded payroll or breaking out different types of work that fall under different class codes.
Support During the Audit
Whether your audit is handled by phone, online, or in person, we support you through the process. We can help you answer auditor questions, clarify how your business operates, and ensure that payroll, sales, and subcontractor costs are being interpreted correctly. Our role is to help the auditor get accurate information without you feeling pressured into agreeing with numbers that don’t reflect reality.
Audit Result Review & Dispute Assistance
When the carrier issues its final audit and premium adjustment, we don’t just accept it at face value—we review it. We compare the results to your original policy, your records, and the information provided at audit. If we see issues—like misclassified employees, double-counted subcontractors, or incorrect payroll totals—we can help you challenge the findings and request corrections, potentially reducing the additional premium owed.
Ongoing Compliance & Future Audit Readiness
Commercial insurance audits happen regularly, not just once. After your audit is complete, we help you understand what led to the outcome and what you can do differently going forward. This may include improving payroll tracking, separating different types of work more clearly, updating how you handle subcontractors, or adjusting estimated exposures at renewal so future audits are less painful and more predictable.
FAQ
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What is a commercial insurance audit?
Most clients need a valid photo ID, Social Security cards or ITIN information, last year’s tax return, all W-2 and 1099 forms, plus records of deductible expenses such as business costs, education expenses, childcare, or mortgage interest. If you own a small business, we also recommend bringing profit and loss reports, bank statements, or any bookkeeping records you have—even if they are not yet organized.
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What records do I need for a general liability or workers’ comp audit?
They can, but we work to stop garnishments or levies fast. The sooner you call us, the more options we’ll have.
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Can you help if I disagree with the audit results or the additional premium due?
Yes. If the audit results don’t match your records—or if you believe employees, subcontractors, or sales have been misclassified—we can review the carrier’s calculations and help you prepare a response. In many cases, clarifying how your business operates or providing additional documentation can reduce or correct an unexpected bill. While we can’t control every outcome, we can make sure your side is clearly documented and fairly presented.
Ready for Real Support With Your Next Insurance Audit?
You don’t have to face commercial insurance audits alone. Q&A Tax Solutions helps small businesses across Brooklyn, Queens, Manhattan, and the greater New York area prepare for general liability and workers’ comp audits, understand the results, and push back when something doesn’t look right. If you’re ready to replace confusion and anxiety with a clear plan and experienced support, we’re here to help.