Premium Audit Rebuild Test

Your premium audit

Everything you need to know for your workers' comp premium audit.

What is a premium audit?

Insurance providers like Pie use an annual premium audit to make sure your policy premium is still right for your business. Here’s why: your premium was based on your estimated annual payroll, and an audit finalizes your premium using your actual payroll information.

It’s essential to participate in your required audit, and we’re here to make it as easy as possible.

Operating Model

Business Approach

Data-Driven Decision Making: We prioritize evidence over intuition, using both quantitative and qualitative data to inform decisions, measure success, and drive improvement.
Integrative, First Principles Thinking: We break down complex problems into root causes, challenge assumptions, and eliminate unnecessary complexity.
Perform with Excellence: We strive to achieve exceptional results by performing with excellence in everything we do.
Expertise in Our Business: We develop deep knowledge across all dimensions of our business.

Outcomes We Achieve

Create Cumulative Innovation: We build competitive advantage through the compounding effect of systematic improvements across our entire organization, prioritizing improvements based on impact and focusing optimization efforts where they matter most.
Deliver Mission-Aligned Impact: We prioritize work that advances our mission of making commercial insurance affordable and easy as Pie, measuring success by business outcomes and customer impact.

How We Work Together

We Leverage Remote Collaboration: Pie-oneers are geographically dispersed, requiring intentional culture demonstration.
We Embrace Detail Mode: Leaders and all Pie-oneers intimately understand their areas and how they connect to Pie's business overall, flexing between strategic and tactical perspectives.
We Utilize Our Collaboration & Decision Making Framework: A clear process for high-quality decisions with complete transparency, Non-Violent Communication, constructive challenge and debate, and iterative feedback integration.

Your audit step-by-step

A clear look Pie's workers' comp premium audit process.

Step 1Automatic
Policy period ends
Your policy coverage period has ended and the annual audit cycle begins automatically.
Est. timeframe: Locate your policy end date in your online account.
Once your policy period closes, Pie Insurance initiates the audit process. No action is required from you at this stage.
Login to online account
Step 2Test1234
Audit notification sent
We notify you via email and postal mail that your audit has begun.
Est. timeframe: Within 5 days of policy period end
You will receive an official audit notification within 30 days of your policy expiration. Check your email and mailing address on file.
Agent login
Step 3Documents Needed
Records requested
Pie requests your payroll records and business information for the audit period.
Est. timeframe: 5-7 business days from audit notification
We'll reach out to request documents such as payroll records, employee classifications, and subcontractor information. You can submit these documents via email.
Login
Step 4Upload Documents
Upload your documents
Submit your payroll records and business documents securely through our portal.
Log in to your Pie portal and upload the requested documents. Required items typically include: payroll registers, W-3 forms, and subcontractor certificates.
Upload Documents
Step 5
Audit review begins
Our audit team reviews your submitted records and begins the assessment.
Est. timeframe: 7–10 business days
A licensed auditor will carefully review all submitted documents against your original policy estimates.
Home
Step 6Ongoing
Audit adjustment calculated
Based on the review, any difference between your estimated and actual premium is calculated.
Est. timeframe: 2–3 business days
If your actual payroll was higher than estimated, a small additional premium may apply. If lower, you may receive a credit.
Prediction
Step 8success
Final audit statement
You receive your official audit statement showing the premium adjustment.
Est. timeframe: Sent within 5 business days
Your final statement will be sent via email and available in your online account. Review it carefully and contact us with any questions. If you owe a balance, it can be paid in your online account. If you are owed a balance, it will be issued to you as a check to your mailing address on file.
Step 9Audit Complete
Payment or refund processed
Any additional payment is collected or a refund is issued — and your audit is complete.
Est. timeframe: 10–14 business days
If you owe additional premium, payment instructions will be included in your statement. If you're owed a refund, it will be processed within 10–14 business days.

Your audit step-by-step

A clear look Pie's workers' comp premium audit process.

Step 1Automatic
Policy period ends
Your policy coverage period has ended and the annual audit cycle begins automatically.
Est. timeframe: Locate your policy end date in your online account.
Once your policy period closes, Pie Insurance initiates the audit process. No action is required from you at this stage.
Login to online account
Step 2Test1234
Audit notification sent
We notify you via email and postal mail that your audit has begun.
Est. timeframe: Within 5 days of policy period end
You will receive an official audit notification within 30 days of your policy expiration. Check your email and mailing address on file.
Agent login
Step 3Documents Needed
Records requested
Pie requests your payroll records and business information for the audit period.
Est. timeframe: 5-7 business days from audit notification
We'll reach out to request documents such as payroll records, employee classifications, and subcontractor information. You can submit these documents via email.
Login
Step 4Upload Documents
Upload your documents
Submit your payroll records and business documents securely through our portal.
Log in to your Pie portal and upload the requested documents. Required items typically include: payroll registers, W-3 forms, and subcontractor certificates.
Upload Documents
Step 5
Audit review begins
Our audit team reviews your submitted records and begins the assessment.
Est. timeframe: 7–10 business days
A licensed auditor will carefully review all submitted documents against your original policy estimates.
Home
Step 6Ongoing
Audit adjustment calculated
Based on the review, any difference between your estimated and actual premium is calculated.
Est. timeframe: 2–3 business days
If your actual payroll was higher than estimated, a small additional premium may apply. If lower, you may receive a credit.
Prediction
Step 8success
Final audit statement
You receive your official audit statement showing the premium adjustment.
Est. timeframe: Sent within 5 business days
Your final statement will be sent via email and available in your online account. Review it carefully and contact us with any questions. If you owe a balance, it can be paid in your online account. If you are owed a balance, it will be issued to you as a check to your mailing address on file.
Step 9Audit Complete
Payment or refund processed
Any additional payment is collected or a refund is issued — and your audit is complete.
Est. timeframe: 10–14 business days
If you owe additional premium, payment instructions will be included in your statement. If you're owed a refund, it will be processed within 10–14 business days.

Your premium audit

What is a premium audit?

Operating Model

Business Approach

Outcomes We Achieve

How We Work Together

Your audit step-by-step

Policy period ends

Audit notification sent

Records requested

Upload your documents

Audit review begins

Audit adjustment calculated

Final audit statement

Payment or refund processed

Your audit step-by-step

Policy period ends

Audit notification sent

Records requested

Upload your documents

Audit review begins

Audit adjustment calculated

Final audit statement

Payment or refund processed