General Liability Audits

 Increasingly, we are hearing from employers who want us to double-check their General Liability audits. We've also been retained a fair bit in recent years as expert witnesses in litigation over General Liability insurance. 

Just like Workers Compensation insurance, General Liability insurance is subject to a premium audit after the policy ends. And employers sometimes have issues with how those audit premiums have been calculated. And more and more, those employers find us and give us a call or email.

It is certainly possible to successfully dispute a General Liability audit. But it can be trickier than disputing an audit for Workers Compensation insurance.

For one thing, General Liability is less standardized than Workers Compensation insurance. And GL can be written through the Excess & Surplus market, which means there is even less regulatory oversight from state insurance regulators. And there is no administrative dispute process the way there is through the NCCI, which is the rating bureau for Workers Compensation insurance in a majority of states.

But if anything, it sometimes appears that insurers might be even more opaque, less informative, with explaining how GL audit premiums have been computed than they are for Workers Comp. Still, we love a challenge.