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AI Tools for Insurance Premium Auditors
AI tools that help insurance premium auditors verify payroll classifications, research industry wage data, look up business operations, and investigate audit disputes faster.
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FieldValue
Legal NameAcme Roofing LLC
State RegistrationArizona — Active since 2017
NAICS Code238160 — Roofing Contractors
Registered AgentJames T. Ruiz, Phoenix AZ
OfficersJames T. Ruiz (Manager)
Arizona SOS · verified today
Business operations verification
Verify what a business actually does before or after an audit to catch misclassified operations. Research websites, job postings, review sites, and news articles to understand the true scope of work — essential when an insured claims a lower-hazard classification than their operations warrant.
The insured says they are a "janitorial services" company but we suspect they are doing construction cleaning and restoration work. Research their website, Google reviews, and any job postings.
Scraped website and Google Business profile. Job postings on Indeed list "construction site cleanup" and "post-renovation debris removal." Yelp reviews mention "water damage restoration" and "fire cleanup" — both classified at significantly higher rates than janitorial. Recommend reclassification.
ToolRouter scrape_url
Website — Services Page
Lists construction site cleanup and post-renovation debris removal
Indeed Job Postings
"Construction cleanup crew" and "water damage restoration tech" active listings
Yelp — 32 Reviews
Multiple "fire cleanup" and "mold remediation" mentions
Google Business Profile
Category listed as "Water Damage Restoration Service"
ToolRouter lookup_company
FieldValue
Entity NameSunshine Building Services LLC
State / StatusFlorida — Active since 2019
NAICS on Policy561720 — Janitorial Services
Actual NAICS Indicated562910 — Remediation Services
RecommendationReclassify — higher-hazard operations confirmed
Wage and payroll benchmarking
Validate claimed payroll figures against BLS occupational wage data and state minimum wage rates. Flag payroll declarations that appear understated for the number of employees and hours claimed, or where wage rates are implausibly low for the reported job classifications.
An insured claims their 12 plumbers in New Jersey each earned an average of $28/hour last year. Is this consistent with market rates?
BLS OES data: median hourly wage for plumbers in New Jersey is $41.20/hr (2023). The 10th percentile is $31.50/hr. A reported average of $28/hr for 12 plumbers is implausibly low — below the 10th percentile — and warrants payroll documentation request and possible reclassification.
ToolRouter research
BLS Median — NJ Plumbers
$41.20/hr
BLS 25th Percentile
$35.80/hr
BLS 10th Percentile
$31.50/hr
Insured Reported Average
$28.00/hr
Verdict
Below 10th percentile — request payroll documentation
Subcontractor and certificate verification
Research subcontractors listed on an audit to verify they hold valid workers compensation coverage. Look up company registrations, licensing records, and prior insurance information to avoid accepting uninsured subcontractors into the insured's payroll.
The insured lists 8 subcontractors on the audit with certificates of insurance. Research whether ABC Electrical Contractors LLC in Georgia is a valid registered business with active licensing.
ABC Electrical Contractors LLC: registered in Georgia SOS database, active status. Licensed with Georgia State Electrical Board, license active through 2025. Workers comp policy listed: Hartford 2023-2024 — recommend requesting current certificate for the current policy period.
ToolRouter lookup_company
FieldValue
GA SOS RegistrationActive since 2017
Electrical License#EC-00043821 — Active through 12/2025
Workers Comp CarrierHartford — Policy #WC-8821047
Policy Period on File2023–2024 (expired — request renewal)
RecommendationRequest current certificate before accepting
Industry classification research
Research correct NCCI class codes, ISO classifications, and NAICS codes for unusual or complex businesses. Understand the full scope of a business's operations before assigning classifications that determine the premium rate.
I have a company that installs commercial solar panels on commercial rooftops. Are they classified as roofers, electricians, or a separate solar class? What NCCI codes apply?
Solar panel installation on commercial roofs typically falls under NCCI code 5537 (air conditioning / heating installation) or 5551 (roofing) depending on the primary exposure. Some states have specific solar codes. The dual-trade nature means a split classification may apply — recommend state-specific NCCI guidance.
ToolRouter research
NCCI Code 5551 (Roofing)
Applies when roof penetration is the primary exposure
NCCI Code 5537 (HVAC/Elec Install)
Applies when electrical wiring is the primary exposure
Split Classification
Allowed when roofing and electrical labor are separately tracked
State-Specific Solar Codes
CA, NJ, NY have specific codes — verify with state bureau
Audit dispute research
When insureds dispute audit findings, build a thorough evidence package. Research industry wage standards, comparable businesses, and regulatory records to support your classification and payroll determinations.
The insured is disputing our reclassification of their workers from office clerical to building cleaning. They argue all work is inside office buildings. Research what courts and NCCI have determined about office cleaning classification disputes.
Found: NCCI classification appeals decisions distinguish "office cleaning" (code 9014) from "building cleaning" (code 9015) based on whether crews work exclusively in a single location or travel between client sites. Multiple NCCI ruling letters affirm that traveling cleaning crews should be coded 9015. This supports your reclassification.
ToolRouter research
NCCI Code 9014 (Office Cleaning)
Single-location crews in employer's own building
NCCI Code 9015 (Building Cleaning)
Traveling crews serving multiple client sites
NCCI Appeal Ruling #2019-114
Traveling crews coded 9015 regardless of building type
Supporting State Letters
4 bureau letters confirm travel-based crews = 9015
Contractor license and registration lookup
Verify contractor licenses, business registrations, and state licensing board records to confirm an insured's eligibility to perform the work they claim. Unlicensed operations often indicate misclassified or undisclosed exposures.
Look up whether Sunrise Plumbing & Mechanical LLC in Illinois holds a valid state plumbing license and verify their business registration.
Sunrise Plumbing & Mechanical LLC: Illinois SOS business registration active since 2018. Illinois Plumbing License: #058-165432 — active, no disciplinary actions. Master plumber licensee: Robert Alvarez. Business appears properly licensed for the operations claimed.
ToolRouter lookup_company
FieldValue
IL SOS RegistrationActive since 2018
Plumbing License ##058-165432 — Active
License HolderRobert Alvarez — Master Plumber
Disciplinary ActionsNone on record
Operations EligibilityProperly licensed for declared scope
Ready-to-use prompts
Look up a company
Look up the business registration, officers, and industry classification for Summit Building Services LLC in Colorado. Verify whether they are registered as a contractor or cleaning company.
Research wage benchmarks
What are the median and 10th percentile hourly wages for carpenters, painters, and drywall installers in the state of Texas according to BLS data?
Scrape company website
Scrape the website for premiumcontracting.com and extract all information about what services they offer, any project photos, and client testimonials. I need to determine their actual scope of operations.
Research NCCI class codes
What are the correct NCCI workers compensation class codes for a company that provides both IT helpdesk support and on-site PC repair at client locations?
Verify subcontractor
Research whether Apex Electrical Services Inc. in North Carolina is a valid registered business with a state electrical contractor license. Include license number and expiry.
Research audit dispute precedents
Research NCCI rulings and state insurance department decisions on disputes about classifying restaurant delivery drivers — whether they fall under restaurant employee codes or driver codes.
Pull BLS wage data
Get BLS Occupational Employment Survey wage data for commercial HVAC technicians in the Midwest (Ohio, Indiana, Michigan, Illinois). Include median, 25th percentile, and 75th percentile hourly rates.
Research minimum wage changes
What are the current state minimum wages for all US states? Identify any states with planned increases in the next 12 months that would affect workers comp payroll bases.
Tools to power your best work
World Economy16000+ World Bank indicators & data
Deep ResearchAI research reports with citations
Regulatory ActionsSEC, CFPB, FDIC & Federal Register
People SearchFind anyone across 500+ sites
Company LookupCompany data for UK, US & EU
165+ tools.
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Everything insurance premium auditors need from AI, connected to the assistant you already use. No extra apps, no switching tabs.
Full premium audit investigation
Conduct a thorough pre-audit investigation: verify business operations, benchmark wages, and look up all subcontractors listed on the policy.
Audit dispute resolution package
Build an evidence package to support contested audit findings with regulatory precedents and market wage data.
Subcontractor certificate review
Systematically verify all subcontractors listed on a large construction or service contractor audit.
Frequently Asked Questions
What types of businesses can the company lookup tool find information on?
Company Lookup covers UK Companies House, US state business registrations, and EU company registries. It returns registration details, officers/directors, industry classifications, and status. For US companies, coverage varies by state since registration data is held at the state level.
Can I use the web scraper to research a company's actual operations?
Web Scraper can extract text, images, and structured data from company websites, Google Business profiles, and review sites. This is useful for documenting what services a company advertises, which can differ from what they reported on their policy application.
Where does wage benchmark data come from?
Wage data is sourced from the Bureau of Labor Statistics Occupational Employment and Wage Statistics survey and FRED economic series, updated annually. World Economy provides national and state-level data by occupation. For metro-area data, specify the MSA in your query.
Can these tools help with general liability premium audits as well as workers comp?
Yes — the research tools work equally well for GL audits where you need to verify gross receipts, payroll, or square footage. Use company lookup and web scraper to validate the business's scale and operations, and deep research to find applicable classification rules.
How do I research state-specific workers comp classification rules?
Deep Research can compile state workers compensation classification rules, including monopolistic state fund requirements (Ohio, North Dakota, Wyoming, Washington) and states that deviate from NCCI. Always confirm with the specific state rating bureau for binding determinations.
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Works in Chat, Cowork and Code