Premium Audit Preparation & Exposure Reconciliation

Reconcile estimated and actual exposure, organize audit records, and create a precise missing-document list.

No signup · no upload · no stored entries

What this worksheet is for

Auditable policies can begin with estimated payroll, sales or another exposure base. This worksheet calculates the variance in your own records and tracks whether common supporting documents are ready.

Reconcile the exposure base

Use aggregate business totals only. Do not enter employee names, tax IDs, policy numbers or claim details.

Exposure baseEstimated exposure at policy start ($)Actual exposure in your records ($)

Audit document statusPayroll register or sales ledgerQuarterly tax filings / annual wage summaryGeneral ledger and income statementSubcontractor certificates of insuranceSubcontractor contracts and invoicesEmployee duty and class-code listPrior audit worksheetOfficer / owner inclusion records

Your working result

Exposure basePayroll

Variance$0.00

Variance percentageEnter estimate

Exposure variance is not a premium estimate. Rates, classifications, minimum premiums, endorsements and jurisdictional rules are not included.

Missing documents

No document is currently marked Missing.

Confirm with the auditor

Payroll register or sales ledger
Quarterly tax filings / annual wage summary
General ledger and income statement
Subcontractor certificates of insurance
Subcontractor contracts and invoices
Employee duty and class-code list
Prior audit worksheet
Officer / owner inclusion records

Private by design: entries remain in this browser tab. Use categories and totals—never sensitive personal information.

Transparent method

How the result is produced

Variance equals actual exposure minus estimated exposure; variance percentage divides that difference by the estimate.
Document status is counted from your Ready, Missing, Ask auditor and Not applicable selections.
No rate, class-code or state rule is applied, so the result is explicitly not a premium estimate.

Boundaries

What it cannot determine

Final audited premium
Correct class codes or officer treatment
State-specific audit rights or deadlines

Sources used to design this worksheet

These sources support the questions and process—not an individualized recommendation. State-specific sources are identified as examples and are not presented as nationwide rules.

Method and sources reviewed August 13, 2026. Entries and results should be confirmed against the actual proposal or policy with an appropriately licensed professional.