Start from actual subcontractor spend
Covrion begins with who you paid, how much, and when—so the audit file is organized around the accounting activity an auditor is likely to review.
GENERAL LIABILITY PREMIUM AUDIT
Updated Oct 5, 20263 min readContractor audit guide
Tie subcontractor payments to General Liability evidence before the premium audit starts.
Covrion gives contractor finance and operations teams a policy-year view of subcontractor spend, the General Liability coverage dates on file, and the dollars that still need documentation review.
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No card for free scanPrivate evidence storagePayment-level reconciliation
Use GL dates, not a generic COI flag
A certificate can contain multiple insurance lines. Covrion evaluates the General Liability policy dates independently from Workers’ Comp.
Prepare before the request arrives
Renewal alerts, missing-evidence flags, W-9 status, and audit-packet exports help turn year-end cleanup into an ongoing workflow.
WHY THE GAP MATTERS
The expensive part is often not the missing PDF—it is the missing connection between the PDF and the payment.
For contractor general liability premium audits, carriers commonly review subcontracted work and may request support showing that subcontractors carried their own coverage during the relevant period. The exact rating treatment depends on your policy, carrier, class codes, jurisdiction, and facts.
Covrion does not estimate the premium consequence of a gap. It shows which subcontractor payments line up with documented GL coverage dates and which do not, giving your team a more defensible starting point for review with your broker, carrier, CPA, or auditor.
THE COVRION WORKFLOW
Build the GL audit file around evidence and dollars.
Import the policy-year ledger
Bring in subcontractor payment rows from a QuickBooks-style report. Duplicate rows are fingerprinted so repeat uploads do not silently double the spend.
Review GL evidence
Upload COIs and review the extracted GL carrier, policy number, effective date, and expiration date. Correct uncertain fields directly in Covrion.
Export the exceptions and evidence
Use the General Liability audit lens to identify unsupported payment dates, work renewals, and generate a lens-specific audit-readiness packet.
FROM FLAG TO RESOLUTION
Covrion shows what created the exception—not just that one exists.
Coverage gaps, renewals, document-review issues, W-9 gaps, and missing contacts land in one severity-ranked queue.
Open a vendor dossier to see the specific payment dates and amounts that fall inside or outside recorded WC/GL policy periods.
Review the source document, re-run extraction, correct fields, work renewals, and export the remaining exception rows for follow-up.
FREQUENTLY ASKED QUESTIONS
What contractors usually want to know first
4 of 4 questions in this guide
The payment ledger gives the workspace a concrete timeline for subcontractor spend. Covrion checks whether each imported payment date falls inside a recorded GL coverage period. Your carrier may apply additional rules, so the result is a documentation review aid rather than a coverage or premium determination.
Link to this questionNo. Covrion organizes and extracts information from the evidence you provide. It does not independently confirm policy status with a carrier unless a future integration explicitly provides that capability.
Link to this questionYes. Workers’ Comp and General Liability are stored separately. You can switch the active audit lens without losing the other evidence track.
Link to this questionCovrion creates an audit-lens-specific renewal task when the current recorded coverage period is within 30 days of expiration and keeps contact history for follow-up.
Link to this questionSTART WITH THE RECORDS YOU ALREADY HAVE
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