General Liability Audit Help for Orlando Contractors

Orlando\u2019s construction market has been in a sustained boom driven by tourism infrastructure, residential development, and commercial expansion across Orange, Osceola, and Seminole counties. For Orlando contractors, this growth is good for business \u2014 but it also means larger GL audit bills, more carrier scrutiny, and more opportunities for overcharges.

How GL Audits Work for Orlando Contractors

General liability policies for Orlando contractors are typically audited annually based on gross receipts or payroll. At the end of your policy year, the carrier sends an audit request asking for your actual revenue or payroll figures. If your actual numbers are higher than the estimate you gave when the policy was written \u2014 which is almost always the case in a growing market \u2014 you\u2019ll owe additional premium. The question is whether the carrier is calculating that additional premium correctly.

The Subcontractor Credit Issue

The most common GL audit overcharge we see for Orlando contractors is the failure to credit subcontractor general liability certificates. If your subs carry their own GL insurance, the revenue you pay them should be excluded from your audit base \u2014 because their work is covered by their own policy, not yours. Carriers routinely fail to apply these credits, effectively charging you GL premium on revenue that\u2019s already insured. For an Orlando GC paying $500,000 to subs annually, this error alone can add $2,000\u2013$5,000 to your audit bill.

Gross vs. Net Revenue: A Critical Distinction

Many GL policies for Orlando contractors should be audited on net revenue \u2014 meaning gross receipts minus the cost of subcontracted work. But carriers often audit on gross revenue, which includes all the money that passed through your hands, including payments to subs. This is one of the most significant overcharge opportunities in GL audits, and it\u2019s one that Audit Monkey identifies and disputes in virtually every Orlando audit we review.

What to Do If You\u2019ve Received a Large GL Audit Bill

If you\u2019ve received a GL audit bill from your carrier and it\u2019s larger than expected, don\u2019t pay it immediately. Contact Audit Monkey for a free review. We\u2019ll examine the audit findings, identify every disputable item, and tell you exactly how much we can recover before you pay a dollar. Orlando contractors we\u2019ve worked with have recovered anywhere from a few hundred dollars to tens of thousands on a single GL audit dispute.