Services

Audit & Compliance Support That Protects Your Business and Simplifies the Process

Insurance audits can feel overwhelming—but they don’t have to. Our team stands
beside you throughout the entire process, ensuring accuracy, clarity, and effective
communication with auditors.

Immediate Validation

You are not alone in the audit process. We work directly with policyholders and auditors to
clarify exposures, provide documentation guidance, and protect your business from
incorrect audit outcomes.

Why Clients Choose T. Hudson for Audit & Compliance

Proactive guidance before, during, and after the audit

Direct communication with auditors

Support with payroll, sales, and subcontractor documentation

Protection from errors, misclassifications, and overcharges

Expert dispute resolution and documentation review

What Is a Premium Audit?

A premium audit is a review of your financial and operational records to determine the
correct premium for Workers’ Compensation and General Liability policies. It typically
includes payroll, sales, subcontractor costs, and employee classifications.

How Audits Are Performed

Audit types include:

Mail Audit

Phone Audit

Hybrid Audit

Physical Audit

We help prepare your records and communicate with auditors on your behalf.

Required Documentation

Payroll Documentation:

Sales Documentation:

Subcontractor Documentation:

Our Role During Your Audit

We support you through:

Audit preparation

Communicating directly with auditors

Data clarification and classification support

Dispute resolution and exposure corrections

Audit result review and follow-up

Common Audit Challenges We Navigate

Uninsured subcontractors misclassified as payroll

Incorrect employee classifications

Misinterpreted payroll or sales data

Missing or incomplete documentation

Estimated audits due to lack of information

The T. Hudson Way

Understanding First – We learn your operations and financial structure. Design & Placement – Policies structured accurately to avoid audit surprises. Ongoing Support – Managing estimates, classification updates, and renewal audits.

Discovery & Understanding:

We review your bonding needs, financials, project pipeline, and goals.

Program Design & Market Placement:

We leverage our relationships to secure competitive rates, increased bonding limits, and
favorable terms.

Ongoing Support & Annual Review:

We manage renewals, financial updates, and compliance documentation to maintain
bonding capacity.

INDUSTRY-SPECIFIC VALUE PROPOSITIONS

For Contractors:

For Professional Services:

For Retail, Wholesale & Manufacturing:

For Property & Hospitality:

Have an audit question or need help reconciling results?
We’re here to support you.

Services Areas

Primary Service Region with nationwide incidental coverage available for contractors and trades.

Choose the path that fits your needs. Whether you're exploring options, ready to schedule a call, or prepared to begin the onboarding process, we make getting started simple, clear, and comfortable.

T. Hudson Risk Advisors is licensed across the South and Southeast and can support incidental exposures nationwide for contractors and skilled trades.