When your insurer audits your policy year, they ask which of the subcontractors you paid were insured, and for which dates. This report answers that from the certificates you already have on file: each contractor's coverage over the period, policy by policy, with every day uncovered. For why the audit asks, see workers' comp premium audits and subcontractors and general liability premium audits.
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Open the report
Go to Tools → Insurance Audit Report. It's also linked from Data Export.
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Set the period
Enter your policy period: the dates on your own policy, not the calendar year. Last 12 months and Last calendar year fill them in for you.
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Choose what to check
Choose the coverage lines. General liability and workers' comp are ticked; add auto or umbrella if your auditor asks about them.
Set a GL minimum if your policy expects subs to carry a minimum per occurrence. A policy below it is reported as a gap, the way many auditors treat it. It starts at your own general liability requirement; leave it blank to skip the check.
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Run it
Click Run report. Each contractor gets a status per line: Covered, Partly covered (with the days uncovered) or Not covered. Policies and gaps on each row shows the detail.
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Download
Untick anyone you didn't pay during the period. Then download PDF to send, Excel to work with, or Audit pack.
What's in each download
| Download | What it holds |
|---|---|
| The period, a summary, who needs attention, and each contractor's policies and gaps. The one to hand the auditor. | |
| Excel | A row per contractor with a blank Amount paid column for you to fill from your accounts, a row per policy, a row per gap, and a list of things to check by hand. |
| Audit pack | A ZIP of the PDF, the spreadsheet and every certificate and exemption the report cites, expired ones included, in a folder per contractor. It's built in the background and we email you a link, usually within a few minutes. The link needs you signed in, and packs are kept for 14 days. |
How coverage is worked out
- By the policy's dates, not the upload date. A certificate you collected late that shows last year's policy still covers last year.
- Past policy years count. Renewed certificates stay on file, so a year's worth of renewals reads as one continuous stretch. A renewal that starts the day the old policy expires leaves no gap.
- Workers' comp exemptions count when the document is filed as a Workers' Compensation Exemption with its expiry date. Only the expiry is recorded, so an exemption counts from the start of the period up to its expiry, and the report says so.
- A coverage waiver is still a gap. It's your decision, not insurance, so the report names the waiver on the gap but doesn't close it.
Careful
Note