Send the audit letter, the 1099s, and the certs.

In 48 hours you get one page that shows which subs are covered and which payroll the auditor can put on you.

Pay $490

We never send this to the carrier.

Sample · two red rows

Gulf Coast Roofing is a sample, not a real shop. Your page uses your letter, your payees, and the rules for your state.

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
1	Sunrise Sheet Metal	$8,400	labor + materials	match	covers work	covers work	none	OK	—
2	Coastal Concrete	$41,200	labor + materials	match	WC expired 3/1/2026	covers work	none	GAP	$41,200 if counted in full; labor + materials may be less
3	Bay Drywall	$11,250	labor + materials	match	covers work	covers work	none	OK	—
4	Palmetto Labor LLC	$22,800	labor only	no WC COI	—	—	none	GAP · homemade waiver is not valid	$22,800 labor
5	Oak City Electric	$9,140	labor + materials	match	covers work	covers work	none	OK	—

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.

Sample names only.

What the page 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 sendThe audit letter, the 1099s, and the certificates you have. You get the page plus the ACORD 25s, labeled. None of it is sent 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

A 1099 does not stop the carrier from treating unpaid-coverage subs as your payroll. A homemade waiver does not stop that. 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.

We read the letter against the payees and the certs using the rules for the state on the policy. Florida shops get Florida officer-exemption and Fla. Stat. § 440.10. Other states get that state’s evidence-of-coverage rules. We do not call the carrier, and we do not promise they cut the bill. One contractor wrote that he paid $1,990, 16 percent of what he had paid a sub who dropped coverage and lied about it.

Owner quotes: ContractorTalk, LawnSite, QCCI on missing COIs.

Price

$490 for one policy year

Pay first. Stripe sends you to the intake page. Upload one zip: the workers-comp audit letter, the payee list or 1099s, and the certificates you have. You get the page and the labeled PDFs in 48 hours. If everything is clean, you still paid for the read, not a refund.

We never send your files to the carrier.
We delete the zip after we send the pack, or in 14 days.
This is not insurance advice. Payroll at risk is not a quote and not the bill.

Pay $490

POINTMAN, LLC.