Atlas Crest provides premium audits for insurance carriers and the businesses they cover. Onsite work across the Florida Gulf Coast, and remote audits nationwide.
When a business buys commercial insurance, the price they pay is based on an estimate of what their year will look like — how much they'll pay employees, how much they'll sell, how many vehicles they'll have on the road. At the end of the policy period, an audit checks those estimates against what actually happened. If the business grew, they may owe a bit more. If they shrank, they may get a refund. Our job is to do that check, fairly and accurately.
Most of the people we work with on a given audit are business owners who have never been audited before and aren't sure what to expect. That's part of why we do what we do the way we do it — clearly, patiently, and on a steady schedule.
The major commercial lines, with the right rating basis for each.
Verifying payroll exposures, class code assignments, owner and officer treatment, subcontractor coverage, and the standard exceptions that apply.
For policies premium-rated on gross receipts or sales. Review of sales summaries, profit and loss statements, ledger detail, and contract labor records.
Commercial auto, garage operations, and policies that combine payroll, sales, and unit exposures. The audit is tailored to what the policy actually rates on.
Three ways the audit can happen. The right one depends on the policy, the business, and what the carrier asked for.
We come to your place of business. The most thorough method, typically scheduled at least one week out so you have time to gather records.
You send records to us electronically; we complete the audit from the documents. Common for smaller policies.
A scheduled meeting with you, paired with records review. Direct contact without requiring travel.
