GCs, roofers, and landscapers

See which 1099s will get treated as your payroll

If a sub shows up at the workers-comp audit without a real certificate, that money often gets billed as yours. A homemade waiver is not coverage. An officer exemption, where a state even allows one, is not a COI, and a lot of GCs will not take a sub’s exemption anyway. You already have the letter, the 1099s, and the certificates. AuditHold is the one-page read of who is covered and who is a gap, before you sit down with the auditor.

Pay $490 See a sample

This is not insurance advice. We do not call or email the carrier. We do not promise they cut the bill. $490 is one policy year, not a monthly plan.

What the matrix showsEach 1099 payee, what you paid them, labor vs materials, whether the WC certificate name matches, and whether the WC and GL dates actually cover the work.
What you hand overThe audit letter, the 1099s, the matrix, and the ACORD 25s, labeled. We do not send any of it to the carrier.
Turnaround48 hours after we have the zip. One policy year. Same $490 if every payee is clean.

Why this exists

The audit letter is not the analysis

If you cannot show a workers-comp certificate that names the right company and covers the dates of the work, the carrier can treat what you paid that sub as your payroll and charge additional premium. A 1099 does not stop that. A homemade waiver does not stop that. We read the letter against the payees and the certs using the rules for the state on the policy: Florida officer exemptions and Fla. Stat. § 440.10 when the shop is Florida; that state’s evidence-of-coverage and exemption rules when it is not.

There is no public national total of what contractors paid last year in surprise audit premium. The rule is public. The bills owners name are not averages. One contractor wrote that he paid $1,990 — 16 percent of what he had paid a sub who dropped coverage and lied about it. A Florida lawn owner put workers-comp at about $82 on every $1,000 of payroll, which is why a high-rate class like roofing hurts more than flooring when the auditor adds a sub to your payroll.

Example of a state rule: Fla. Stat. § 440.10. Owner quotes: ContractorTalk, LawnSite, QCCI on missing COIs. We do not promise they cut the bill.

Sample

This is what the pack looks like

Gulf Coast Roofing is a sample, not a real shop. Your pack uses your letter, your payees, and the rules for your state. Gaps are marked. We do not send this to the carrier.

Coverage matrix

Gulf Coast Roofing LLC · SAMPLE · Florida rules

Policy year 4/1/2025–3/31/2026
Audit letter dated 8/12/2026
Pack AH-1042 · 48-hour turn
# 1099 payee Paid Labor vs materials WC COI name WC dates GL dates State exemption Gap Payroll at risk
1Sunrise Sheet Metal$8,400labor + materials matchcovers workcovers worknoneOK—
2Coastal Concrete$41,200labor + materials matchWC expired 3/1/2026covers worknoneGAP$41,200 if counted in full; labor + materials may be less
3Bay Drywall$11,250labor + materials matchcovers workcovers worknoneOK—
4Palmetto Labor LLC$22,800labor only no WC COI——noneGAP · homemade waiver is not valid$22,800 labor
5Oak City Electric$9,140labor + materials matchcovers workcovers worknoneOK—
Total paid $97,590 Gaps: 2 of 5 payees. Payroll at risk on this sample: $22,800 labor + up to $41,200 labor+materials. Not a premium quote. Not insurance advice. Not sent to the carrier. No promise they cut the bill.

Sample names only.

Price

$490 for one policy year

Pay first. Then upload a zip of the workers-comp audit letter, the payee list or 1099s, and the certificates you have. You get the matrix and the labeled PDFs in 48 hours. If everything is clean, you still paid for the read, not a refund.

Pay $490

POINTMAN, LLC. This is not insurance advice. We do not email the carrier.