The BaseLine is a fast, AI-assisted pre-audit risk review designed to give contractors and small businesses a clear starting point before an insurance audit. Through a structured questionnaire and document upload, we review key areas auditors commonly focus on — including operations, payroll practices, owner involvement, and subcontractor exposure. You’ll receive a plain-English risk summary highlighting potential red flags, areas that appear reasonable, and where additional review may be worthwhile. It’s not an audit and not legal advice — it’s clarity, context, and a solid baseline so you know where you stand before the carrier ever asks questions.
The RidgeLine gives you a higher vantage point for understanding workers’ comp and liability audit risk before it turns into an expensive surprise. It builds on the BaseLine with a deeper look at how your business operates, how labor is performed, how payroll and owner involvement are handled, and how subcontractors and supporting documents line up with common audit practices. This review adds clearer context around what auditors are most likely to focus on, why certain items matter, and where a little extra preparation can go a long way. The result is a more detailed, plain-English risk summary that helps you see beyond surface-level issues and better understand what’s ahead.
Best for: Businesses that want a clearer picture of potential audit exposure and a better sense of what may need attention before an audit begins.
The Northline is a hands-on, auditor-led pre-audit review for businesses that want the most complete level of clarity before an insurance audit takes place. At this level, an experienced auditor personally reviews all information gathered through the RidgeLine or Baseline, and works directly with you to examine actual payroll records, classifications, subcontractor details, and supporting documentation. This process mirrors how a carrier audit is typically performed, providing a true pre-audit comparison and helping identify questions, discrepancies, or exposures before the official audit begins. The focus is on preparation, understanding, and informed decision-making — not surprises. If the Baseline or RidgeLine reveal elevated risk or areas that deserve closer attention, The Northline offers direct guidance and a complete pre-audit review to help you prepare with confidence.
Best for: Businesses facing an upcoming audit, prior audit issues, or higher exposure that want a realistic, side-by-side view of how their records may be reviewed.