One subcontractor without valid coverage can get their entire contract — materials and all — added to your payroll at the highest class rate. CompAuditPrep catches the gap before your auditor does.
"Our workers' comp company said 1099 contractors who don't provide proof of their own coverage get charged to us… they pulled $11k from our account; it became a $15k dispute." — small business owner, finance community thread
A certificate on file isn't enough. To exclude a sub, the COI must show a workers' comp line, adequate limits, and dates that cover the entire period the sub worked for you. Miss any one and the auditor charges you.
Most tools just store certificates. CompAuditPrep connects your subcontractor payments to their coverage windows and shows you the dollar exposure — the part nobody else does.
Enter what you paid uninsured subs and your trade. Get an instant estimate of the premium it could add at audit.
Open calculator →Enter each sub's work dates and COI dates. See exactly which ones leave you exposed — and why.
Open checker →Answer 10 quick questions. Get a 0–100 readiness score across the four areas auditors check — and your weak spots.
Get your score →Add your subs' certificate expiration dates. We email you 30 & 7 days before each one lapses — so you can re-collect in time.
Set reminders →Put every sub's coverage in one place, see your total exposure, and generate a print-ready pre-audit package to hand your auditor.
Build your binder →Already got an unfair bill? Generate a formal letter to dispute the overcharges — subs, misclassification, owner caps, overtime — ready to send.
Write my letter →Collect certificates, flag expirations. Pay-as-you-go payroll fixes your W-2 audit but ignores subcontractors entirely (even QuickBooks tells you to track 1099 COIs by hand).
Match every sub payment to a coverage window, flag the gaps, translate them into dollar exposure, and assemble the evidence — before the auditor arrives.
Be first when the connect-your-payroll version ships. No spam — one email when it's ready, plus the occasional contractor audit tip.