Workers' Comp Audit Help in Buffalo, NY
We help Buffalo and Erie County business owners through a carrier premium audit, reviewing payroll, class codes and subcontractor certificates and calculating your premium before anything goes to the auditor, so you know what your audit bill should look like before it arrives.
Premium Audit Help for Buffalo Business Owners and Employers
When your carrier schedules a workers' comp audit and asks for payroll reports, tax forms and subcontractor certificates by a deadline, it is hard to know what the auditor will do with any of it. We work only with business owners and employers, helping you get through a workers comp audit in Erie County with records that are complete, organized and already reviewed.
Karen Catalano has worked in insurance since 1998, across personal lines, underwriting and commercial insurance, so we prepare your records the way carriers and auditors review them. You keep one point of contact from the day your audit notice arrives until the audit is complete, and we calculate your premium before anything is submitted.
Our office is in Williamsville, minutes from Buffalo, and our roots in Western New York run deep, including years of service on local and state insurance boards, regional advisory boards and Project InVEST initiatives.
Audit Support for Buffalo Employers, From Payroll to Final Bill
Workers' Comp Audit Preparation
Our workers' comp audit preparation covers your payroll, classifications and supporting records, so you know exactly what you are submitting before the audit is completed.
Audit Document Review
If you've gathered your paperwork but aren't sure it's correct, we check your documents for gaps, inconsistencies and anything likely to raise your premium.
Subcontractor COI Organization
For contractor-heavy businesses, we organize subcontractor certificates of insurance and payment records to help keep uninsured subcontractor charges off your audit.
Audit Submission Support
Whether your audit is online, on paper or in person, we guide you on submitting everything clearly and completely.
General Liability Premium Audits
We prepare sales, payroll and subcontractor records for
general liability premium audits, so your exposure base matches how your business actually operates.
NYS Department of Labor Audits
When the Department of Labor reviews your unemployment insurance reporting, we help you organize payroll and worker records and respond to what the auditor asks for.
Estimated Audits and Audit Bills That Look Wrong
If you received an estimated audit or a bill far above what you expected, we review the figures against your records and help you ask for a correction.
What to Gather Before Your Audit
Most Buffalo-area businesses will need a consistent set of records to complete their audit.
Payroll reports and summaries
Federal and state tax forms
Employee job duties or classifications
Subcontractor certificates of insurance (COIs)
Payment records for subcontractors
Having these ready-and organized-helps your audit move faster and reduces follow-ups.
Avoid Common Audit Problems
Submitting Without Reviewing First
If you send documents without checking them, you may not know how they'll impact your premium.
Missing Subcontractor Documentation
If COIs aren't available or don't cover the full policy period, those costs may be included in your audit.
Unclear Payroll or Classifications
If payroll isn't separated clearly, it may be assigned to higher-rated classifications.
Late or Incomplete Submissions
Missing deadlines can lead to an estimated audit based on limited information. If that has already happened, our audit dispute support helps you put complete records in front of the carrier so the estimate can be revisited.
Each of these issues is common, and avoidable with proper preparation
How We Help You Know Your Numbers Before the Auditor Does
With more than 25 years in insurance, including underwriting, Karen reads your records the way a carrier's auditor will. Here is how that shows up in your audit.
Review Before You Submit
We review your records and calculate your premium in advance, so you understand the likely outcome before anything goes to the auditor.
Organize for the Audit Format
Online, paper or in person, we structure your records to match the way your audit is being conducted. For audits handled by portal, email or video call, our virtual audit prep keeps everything ready to upload and easy to follow.
Reduce Estimate-Driven Outcomes
Complete, accurate documentation gives the carrier what it needs to finish your audit on your actual numbers rather than an estimate.
One Point of Contact, Start to Finish
You work with the same person from your first notice to the completed audit, with clear steps at every stage and no one new to catch up.
Erie County Business Owners on Their Workers' Comp Audits
Every notice and every penalty depends on the employer's own records and circumstances. Results differ from case to case, and a past outcome does not promise a similar result.
– After 50 Inc., Lancaster, NY
"I would highly recommend Karen and her team at Queen City Professionals to other business owners. They take the stress of Insurance Audits off your plate and give you the peace of mind knowing that everything is taken care of and they give you the critical time necessary to focus on running your business!"
– Greg Emminger, National Credit Works, LLC, Cheektowaga, NY
"I highly recommend to any business owner juggling many tasks, when it comes to handling your workers comp and business insurance audits, I trust mine to Karen Catalano of Queen City Professional Services Inc."
Audit Help Built Around How Erie County Businesses Work
Premium audits look different depending on how your business runs. We help Buffalo-area employers in these industries most often:
- Contractors running jobsites and subcontractors across Erie County, where missing certificates and jobsite class codes drive the audit bill
- Staffing agencies placing workers at client sites around the region, where duties need to be tracked and classified by assignment
- Small businesses where employees handle mixed duties that span more than one class code
We tailor each review to your payroll, your crews and the way your work is actually done.
Western New York Workers' Comp Audit Help Across Erie County
We meet employers in person from our office at 1323 N Forest Rd, Williamsville, NY 14221, or handle your audit remotely, whichever fits your schedule and your audit format. Erie County communities we serve include:
- Buffalo
- Amherst
- Williamsville
- Cheektowaga
- Tonawanda
- Kenmore
- West Seneca
- Lackawanna
- Orchard Park
- Hamburg
- Lancaster
- Depew
- Clarence
We also work with employers in neighboring
Niagara County. If you want to start on your own, our guide to
what to gather walks through the records most carriers request.
Questions Buffalo Employers Ask Before a Workers' Comp Audit
What records does a workers' comp premium audit ask for?
Most carriers ask for payroll reports, federal and New York State tax forms, a description of each employee's duties, and certificates of insurance and payment records for any subcontractors. The auditor uses these to confirm your actual payroll and class codes for the policy period. We review everything before it goes out so you know how it will affect your premium.
What happens if I miss my audit and get an estimated audit?
When records aren't provided on time, the carrier may bill you on an estimate, which often comes in well above your actual payroll. An estimate can usually be revisited once complete records are submitted. Our audit dispute support helps Buffalo and Western New York employers organize those records and ask the carrier to recalculate.
Can you help with a virtual or online workers' comp audit?
Yes. We help you prepare for audits completed through a carrier portal, by email or by video call, organizing your records so they are easy to upload and easy for the auditor to follow.
Do you meet with business owners in person in the Buffalo area?
Yes. We meet with employers in person at our Williamsville office, minutes from Buffalo, and we also work remotely with businesses across Erie County and New York State. Many owners start remotely and meet in person when it helps.
How do I get started with a premium audit review?
Email us your audit notice or the carrier's letter, along with anything you've already gathered. We'll review what the auditor is asking for, tell you what's missing, and lay out the next steps before your deadline.
Buffalo Audit Help, From First Notice to Final Bill
If your carrier has scheduled a workers' comp audit, the best time to get help is before anything is submitted. Send us your audit notice and we'll review your records, calculate your premium and walk you through each step, with one point of contact the whole way.
What to Expect From Start to Finish
You begin with a review of your audit notice and current records to identify what's needed. From there, your documents are organized, reviewed, and prepared for submission. You get clear guidance at each step so your audit is completed without unnecessary delays or confusion.
Audit notice review and checklist
Document organization and verification
Payroll and classification review
Submission guidance based on audit format
Ongoing support if questions arise