您的保费审计问题已得到解答

A: A 高级审计 is a review of your business records for the policy period to obtain final actual payroll information or total cost of the work your subcontractors completed. This is to calculate the appropriate classification and final premium for your policy. State Farm conducts these 高级审计s using vendors and you will receive a letter prior to first contact from the audit vendor from State Farm letting you know which vendor will be conducting your payroll audit.

以下是提供更多审计过程细节的文件:

工人的补偿

承包商

A: A final audit is a policy requirement of 承包商 and 工人的补偿 policies and it is a standard practice in the insurance industry. For 工人的补偿 these final results are used in calculating your Experience Modification if your business is eligible for one.

答:审计在保单期限结束后或保单取消后进行. 在大多数情况下，这些都在保单到期后的75天内完成. 然而, the insurance contract allows a policy to be audited up to 3 years after the policy expires.

A: Yes, as an audit must still be completed to obtain the final premium for your policy. 同时，这也是pp王者电子官网合同中的一项义务. 如果你不遵守审计, you may be accessed a penalty under 工人的补偿 called the Audit Non-Compliance Charge.

A: You will receive a letter from an Audit Vendor conducting the audit on behalf of State Farm that will outline the necessary records/information to complete the audit. Examples of some of the records that may be requested are: payroll journals/registers, 总帐, 季度雇主税务文件, contractor/subcontractor records and the certificates of insurance for workers' compensation and/or general liability for all subcontractors used during the audit period.

A:在审计完成之后, State Farm will mail a Premium Adjustment Statement for every auditable policy w在这里 t在这里 is premium amount due or returned premium to the named insured on the policy. 如果审计结果没有变化，我们将不会发送保费调整报表. The Premium Adjustment Statement is for the previous policy term or a cancelled policy term.

一旦得知上一个或被取消保单期限的保费审核结果, 如果你有一个当前期限的政策，我们会根据这些结果调整政策.

A: When we verify payroll amounts we reconcile total payroll back to independent documents such as your quarterly 941 forms or quarterly UC-3 forms, 所以我们需要总工资单，包括所有的官员来执行这一步.

A: In some states for 工人的补偿 insurance purposes you may be held responsible when an uninsured subcontractor's employee is injured. 保护您的业务, be sure to secure a Certificate of pp王者电子官网 showing workers' compensation coverage from each subcontractor/independent contractor you use. 如果在审计时没有这种pp王者电子官网证书, 分包商的总成本可能会加到你的工资单上.

For 承包商 policies it is also necessary to secure a Certificate of pp王者电子官网 from each subcontractor you hire. It's important to ensure that the subcontractor you hire provides a Certificate of pp王者电子官网 with coverage limits equal to or greater than your limits. Without a Certificate or an inadequate Certificate it may be necessary to classify these subcontractors as employees.

答:可审计保单的保费是以估计为基础确定的. If the initial estimated premium was higher than the actual premium at audit, you'll get a refund. 如果您的初始保费估计低于审计时的实际保费, 我们会通过保费调整表让您知道您所欠的差额. Changes in premium can result from changes in payroll and/or classifications applicable to your operations.

A: On expired policies if t在这里 is an amount due as a result of the premium audit it is all billed on the Premium Adjustment Statement. 然而, when we increase the estimate on the current term it will be billed in the same way as you are paying the premium on that policy. So if you make monthly payments the resulting premium increase will be spread over your remaining monthly payments for that policy.

A: You can certainly request to cancel your workers' compensation policy at any time during the policy period, 然而, 有一个重要的因素需要考虑. When you cancel your policy a Short Rate Penalty may be applied to your premium in accordance with policy conditions and applicable state rules. It is important to consult with your agent should you need to cancel your policy in order to understand penalties that may apply. You should also consult with your legal counsel to confirm compliance with state law and if you are required to carry workers' compensation insurance.