How To Survive An Audit For Insurance Premiums For Contractors

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Obviously, this type of insurance, that's primarily a kind of property insurance, should cover your house. If you have to, take an inventory of everything that you simply own, then total up just how much it will cost you to replace it all as it stands. That?s no less than as much liability insurance since you need. You may, though, actually need more insurance than this in order to leave a bit leeway in case you need to replace your premises with something totally new, which is the almost certainly plan of action.

A premium audit is a review of your small business operations, financial reports, and records to determine which to charge a fee for your contractor liability insurance, work comp, and other coverage provided. The objective would be to determine the last earned premium for the given policy that's issued based on payroll, sales, subcontracting costs, and other variables.

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