Miami's construction boom from Brickell high-rises to Kendall residential means thousands of contractors face annual workers comp and GL audits every year. Audit Monkey prepares, reviews, and disputes workers comp and general liability audits for Miami-area contractors — and we've recovered over $10M in overcharges statewide.
Miami-Dade has one of the highest concentrations of subcontractor-heavy construction crews in Florida, and carriers audit Miami contractors at above-average rates due to the volume of 1099 labor used on South Florida job sites. Insurance carriers know this — and they audit aggressively. The most common audit traps for Miami contractors are uninsured subcontractors, misclassified employees, and payroll that wasn't broken down by job type.
Audit Monkey works exclusively with Florida contractors. We know the class codes, the carriers, and the documentation that gets overcharges reversed. Most of our Miami clients see their audit bill reduced within 30 days of engaging us.
What We Recover
Services for Miami Contractors
Dispute overcharges, fix class code errors, and exclude insured subs from your payroll base.
Organize your records, verify subcontractor COIs, and challenge inflated GL audit bills.
COI collection, expiration tracking, and sub payments — so every audit is fully documented.
Accurate payroll records are the foundation of every clean insurance audit. We keep yours right.
FAQ
Yes. Insurance carriers audit workers comp and general liability policies annually for Miami contractors. Audit Monkey specializes in preparing Miami-area contractors for these audits, disputing overcharges, and ensuring your subcontractor documentation is complete before the auditor arrives.
Workers comp audit overcharges for Miami contractors commonly range from $2,000 to $50,000+ depending on payroll size and the number of uninsured subcontractors. The most common errors are misclassified employees, missing subcontractor COIs, and incorrect experience modifiers. Audit Monkey has recovered over $10M in overcharges for Florida contractors.
Miami contractors typically face annual workers compensation premium audits and general liability audits. Both are conducted by your insurance carrier — not the IRS or government — to verify that your actual payroll and revenue match what was estimated when your policy was written. Audit Monkey handles both.
Audit Monkey can typically have your audit documentation organized and ready within 5–10 business days of engagement. If you've already received an audit bill you believe is wrong, we can begin the dispute process immediately. Call (239) 323-0785 for a same-day consultation.
We Serve All of Florida
Free consultation. We review your audit findings and tell you exactly what can be disputed — before you pay a dollar.