Northline Review provides straightforward pre-audit risk assessments for workers’ compensation and general liability, built specifically for contractors and small businesses. We help identify common issues that can lead to higher premiums, reclassifications, or audit surprises by reviewing how your business actually operates — before an audit or renewal takes place. The goal isn’t to sell insurance or create extra work, but to give you a clear picture of potential risk areas so you can decide what, if anything, needs attention. Built by an actual auditor, designed to help you, not the insurance company…

After you get started, you’ll complete a short guided assessment about how your business operates, including payroll, officers, subcontractors, and the types of work you perform. The information is reviewed using established workers’ comp and general liability guidelines to identify common areas where audit issues or cost adjustments tend to occur. You’ll then receive a clear, professional report outlining potential risk areas in plain language, so you can decide what—if anything—needs attention before your next audit or renewal.

If the review highlights something that would benefit from a closer look, you also have the option to work directly with a real Northline Review auditor for additional guidance—only if and when it makes sense for you.

It’s a good fit if you:

• Employ workers, cash labor, or use subcontractors

• Carry workers’ compensation or general liability insurance

• Want to avoid unexpected audit adjustments or premium increases

• Prefer practical guidance over sales pitches

• Value clarity, efficiency, and knowing where you stand

It may not be a good fit if you:

• Are an employee rather than a business owner

• Your business only operates in the state(s) of WA, ND, OH, and/or WY

• Are looking to purchase insurance or shop rates

• Need legal advice or representation

• Expect a full audit or regulatory filing

Baseline Review is a one-time $49 assessment.

It provides a clear, plain-English report showing where your business may be exposed — or overpaying — before (or even after) your next workers’ comp or general liability audit.

Many businesses have year-to-year changes in payroll, subcontractors, 1099 labor, ownership, or operations that are easy to overlook. When those details are missed, it can lead to unexpected premium, or money left on the table that never comes back.

The Baseline assessment helps identify areas worth reviewing ahead of time, so you’re not caught off-guard during an audit and can decide what, if anything, needs attention.

The Baseline Assessment takes 7-10 minutes to complete. Workers’ comp and general liability costs aren’t just based on how much payroll you have — they’re affected by how that payroll is reported, how subcontractors are treated, and how certain types of work or pay are classified. Small details like overtime, bonuses, special projects, or changes in how work is performed can quietly shift your exposure without anyone noticing until an audit or renewal takes place.

This review helps surface those variables early. It’s designed to catch common areas where assumptions, miscalculations, or outdated guidelines can lead to higher costs or unexpected adjustments. The goal isn’t to overanalyze your business — it’s to focus on the handful of factors that actually move the needle, so you’re not left reacting after the fact.

Baseline Review

The Baseline Review is a quick, independent pre-audit risk assessment designed to give you clarity. It highlights common workers’ comp and general liability risk areas based on how your business operates and organizes them into clear findings. Most clients start here to understand where things stand before an audit or renewal.

Ridgeline Review

Ridgeline is a deeper, more tailored review for situations that are more complex or changing. It’s often used when a business has multiple job types, subcontractor structures, special projects, or recent changes that could affect audit outcomes. Ridgeline builds on the Baseline findings and takes a closer look at how those details interact.

Northline Support

Northline support is direct, one-on-one guidance for businesses that want help working through specific findings or preparing for conversations with their broker, carrier, or advisor. This isn’t required and isn’t automatic — it’s simply an option if you want hands-on support applying the information from your review.

How Most Clients Use This

Most businesses start with Baseline, use it for clarity, and stop there. Some choose to move into Ridgeline or Northline support if their situation warrants a closer look. There’s no obligation to move beyond Baseline — each level exists to meet different needs.

The findings in your report highlight areas where certain business practices, payroll treatments, or classifications may influence workers’ comp or general liability costs during an audit or renewal. They aren’t violations or accusations — they’re indicators based on how audits are commonly reviewed.

Each finding is grouped into one of three general levels — Low, Moderate, or Elevated — to help provide context around potential impact. Some items may simply be informational, while others point to areas where questions or adjustments are more likely to come up. The goal is to give you clarity and perspective so you can decide what, if anything, deserves attention.

Yes. The information you provide is used only to generate your private pre-audit risk assessment and is not shared with insurance carriers, brokers, regulators, or any third party. This review is independent and informational — nothing is automatically reported, submitted, or filed on your behalf. The results are for your eyes only, and how you choose to use them is entirely up to you.

No. This review doesn’t replace professional advice or representation. Agents, CPAs, attorneys, and other professionals should be working together to help you succeed. Northline’s Review is meant to give you clarity and context so you can have better, more informed conversations with your existing advisors if needed.