Match payment dates to WC dates
A certificate issued today does not prove a subcontractor had Workers’ Comp coverage on every date you paid them. Covrion reconciles the dates directly.
WORKERS’ COMP AUDIT READINESS
Updated Oct 5, 20263 min readContractor audit guide
Know which subcontractor payments have Workers’ Comp evidence before audit time.
Covrion compares the dates you paid each subcontractor with the Workers’ Comp coverage periods you can actually document. Instead of asking whether a COI exists, you see which policy-year dollars are supported and which still need review.
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No card for free scanPrivate evidence storagePayment-level reconciliation
Keep GL evidence separate
Workers’ Comp and General Liability are different audit evidence lines. Covrion stores and evaluates them independently so one does not silently stand in for the other.
Work the exceptions first
Missing evidence, expired coverage, and payments outside a recorded WC period become a prioritized dollar amount instead of a folder-search project.
WHY THE GAP MATTERS
A clean certificate folder can still hide an audit gap.
Workers’ compensation premium audits commonly examine payroll and subcontracted work for the completed policy period. When a subcontractor is relevant to the audit, the practical recordkeeping question is not only whether you possess a certificate—it is whether you can show applicable coverage for the dates associated with the work or payments under review.
Covrion is designed as evidence-reconciliation software, not as an insurer or classification engine. It organizes payment records, Workers’ Comp policy dates, W-9s, renewals, and exceptions so your team can review the file before sending information to a carrier, broker, CPA, or auditor.
THE COVRION WORKFLOW
From accounting export to a reviewable Workers’ Comp audit file.
Import subcontractor payments
Review a QuickBooks-style CSV before import. Covrion creates the vendor ledger and retains payment dates and amounts for the active policy period.
Add certificates and W-9s
Covrion reads COIs and stores Workers’ Comp and General Liability fields separately. Low-confidence extraction stays in a review state.
Resolve uncovered dollars
The Workers’ Comp audit lens shows which payments fall inside recorded WC dates, which vendors need evidence, and which certificates are approaching renewal.
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
Requirements vary by carrier and policy, but audits commonly involve payroll, subcontractor or independent-contractor payments, and supporting insurance or exemption documentation. Your policy, carrier, and advisor determine what evidence is acceptable.
Link to this questionNo. Covrion stores Workers’ Comp and General Liability as separate evidence tracks and only uses the selected audit lens when reconciling payment dates.
Link to this questionNo. Covrion does not make employment-status, legal, tax, classification, or premium determinations. It organizes the records and highlights evidence gaps for review.
Link to this questionYes. The current workflow accepts a reviewed payment CSV, which lets a contractor run the free risk scan without giving Covrion continuous accounting access.
Link to this questionSTART WITH THE RECORDS YOU ALREADY HAVE
Run free risk scan