Premium Audit Our Annual Premium Audit Makes Sure You're Paying the Right Price for the Right Coverage As your business operations change, so may your insurance premium. As an extended member of your Amerisure Service Team, your Premium Audit Consultant will ensure the premium you pay for coverage accurately reflects your business operations. An audit doesn’t always mean a higher premium, but gives you a clear picture of your exposures while establishing the right level of coverage for your needs. Our reviews are timely, accurate and fair, helping you plan for and manage your insurance expenses. As policy premiums are based on payroll, sales and other reasonable business costs, anticipating those accurately is key to ensuring your coverage is right for your business. After the policy period is complete, we conduct an in-depth review of your operations to verify that your final premium reflects any changes in your operations from those initial estimates. How We Review Your Records An Amerisure Premium Auditor schedules an appointment to begin a simple and straightforward process that reviews your: Financial records Check registers and ledgers Tax reports and journals During the consultation, an accurate determination of business activities and variable exposures is gathered. This includes a clear understanding of individual and departmental duties and responsibilities, as well as any potential subcontracted labor liabilities. Once complete, adjustments are made to ensure you’re paying the right price for the coverage your business needs today (not what it needed five years ago). If you have any questions regarding your premium audit or would like information about maintaining your records, please contact your agency or your Amerisure Premium Audit Consultant at (800) 257-1900 or premaudit@amerisure.com. To view a list of FAQs, please click here.