See what an audit could add for your subs

How the estimate works

Code reads each row of your report: who you paid, when and how much. Only payments count, such as checks, bill payments and card charges. Bills, credits and purchase orders don't.

You pick which payees are subs, and we add up what you paid each one in the policy year. Then you tick the subs you can show a certificate for, one that covers the dates you paid them. Every payment to the rest counts, as an auditor may count it when a sub's certificate isn't there.

Your rates turn that total into an estimate: workers' comp per $100 of payroll, and general liability per $1,000 of payroll, at the rate for the sub's kind of work. To see why an audit charges for subs at all, read how a premium audit charges you for subs.

An example

A remodeler uploads its QuickBooks Online Transaction List by Vendor for July 1, 2025 to June 30, 2026. It lists 31 payees, and 5 of them are subs:

• Lachance Roofing, 12 payments: $96,200
• Blue Creek Electric, 5 payments: $41,300
• Aldaco Drywall, 7 payments: $38,650
• Lindvall Concrete, 2 payments: $29,460
• Patel Plumbing, 4 payments: $22,180

That's $227,790 in 30 payments. Haldane Roofing Supply sold only materials, so it stays out. At a workers' comp rate of $14 per $100, an audit could add $31,891 while none of the 5 has a certificate on file.