Premium Audit Rebuild Test

Your 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.

Your audit step-by-step

A clear look at the annual premium audit process.

Step 01Automatic
Policy period ends
Your policy coverage period has ended and the annual audit cycle begins automatically.
Est. timeframe: Automatic
Once your policy period closes, Pie Insurance initiates the audit process. No action is required from you at this stage.
Step 02Test1234
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 03Documents 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 04Upload 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 05
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 06
Payroll & business review
We verify employee classifications, payroll totals, and subcontractor details.
Est. timeframe: 3–5 business days
This step ensures your premium is based on accurate, up-to-date payroll and business activity data from the audit period.
Step 07Ongoing
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 08success
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 09Audit 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.

Audit Roadmap Complete

You've seen every step of the annual premium audit — from policy end to final resolution. Questions along the way? Our team is here to help.

Audit adjustment calculated

Your audit step-by-step

A clear look at the annual premium audit process.

Step 01Automatic
Policy period ends
Your policy coverage period has ended and the annual audit cycle begins automatically.
Est. timeframe: Automatic
Once your policy period closes, Pie Insurance initiates the audit process. No action is required from you at this stage.
Step 02Test1234
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 03Documents 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 04Upload 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 05
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 06
Payroll & business review
We verify employee classifications, payroll totals, and subcontractor details.
Est. timeframe: 3–5 business days
This step ensures your premium is based on accurate, up-to-date payroll and business activity data from the audit period.
Step 07Ongoing
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 08success
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 09Audit 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.

Audit Roadmap Complete

You've seen every step of the annual premium audit — from policy end to final resolution. Questions along the way? Our team is here to help.

Audit adjustment calculated

Your premium audit

Your audit step-by-step

Policy period ends

Audit notification sent

Records requested

Upload your documents

Audit review begins

Payroll & business review

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

Payroll & business review

Audit adjustment calculated

Final audit statement

Payment or refund processed