Florida workers comp audits are a minefield of misclassifications, missed credits, and inflated bills. Audit Monkey prepares your records, reviews every line of your audit, and fights back when carriers overcharge.
Organize and format all payroll records by class code, exactly as auditors require.
Verify every employee and subcontractor is assigned the correct, lowest applicable class code.
Ensure every subcontractor COI is credited to exclude their payroll from your audit.
Identify overtime premiums, tips, and other excluded items to reduce your auditable payroll.
Review your final audit bill and file a formal dispute if the carrier has overcharged you.
Ongoing payroll and bookkeeping management that keeps you audit-ready every day.
These Florida industries face the highest workers comp audit exposure — and the most to gain from proper preparation.
Class 5551 — highest rate in FL. Every misclassified worker costs thousands.
Multiple class codes, multiple subs — complex audits with major overcharge risk.
Class 0042/0106 — seasonal workers and subs create audit complexity.
Proper segregation between inside wireman and clerical can cut your bill significantly.
Multi-state payroll and multiple class codes require expert audit management.
High-rate classes with significant savings available through proper documentation.
In Florida, workers compensation insurance is audited annually by your carrier. At the end of your policy year, the carrier reviews your actual payroll records to compare against the estimated payroll used to calculate your original premium. If actual payroll was higher, you owe additional premium. If lower, you receive a refund. Audit Monkey ensures your records are accurate and that every available credit and exclusion is applied.
Florida workers comp class codes are assigned by the National Council on Compensation Insurance (NCCI). Each code has a different rate — clerical workers (8810) are very low rate, while roofing (5551) and structural steel (5040) are very high rate. Misclassification into a higher-rate code is one of the most common reasons Florida businesses overpay on their workers comp audit.
Yes. If your workers comp audit bill is incorrect, you have the right to dispute it. Common grounds for dispute include: incorrect class code assignments, failure to credit subcontractor COIs, inclusion of excluded payroll items (overtime premium, tips, etc.), and mathematical errors. Audit Monkey has recovered over $10M in workers comp overcharges for Florida businesses.
You typically have 30–90 days from the audit bill date to file a dispute, depending on your carrier. It is critical to act quickly. Contact Audit Monkey as soon as you receive your audit bill so we can review it and file a dispute if warranted.
Free consultation. We'll review your workers comp audit and tell you if you're being overcharged — at no cost.