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[[http://www.answers.com/topic/Insurance%20policy Insurance policy]] audits are [[http://www.alexa.com/search?q=conducted&r=topsites_index&p=bigtop conducted]] yearly for all [[http://www.broowaha.com/search/businesses businesses]].
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[[http://www.nuwireinvestor.com/results.aspx?searchwords=Preparing Preparing]] for the audit can make the [[http://www.blogrollcenter.com/index.php?a=search&q=difference difference]] [[http://www.houzz.com/?search=between between]] a 'bad audit' [[http://www.thefashionablehousewife.com/?s=experience experience]] or a good one. Avoid the [[http://www.thetimes.co.uk/tto/public/sitesearch.do?querystring=potential potential]] stress, lost productiviey, [[http://www.europeana.eu/portal/search.html?query=increased increased]] [[http://www.martindale.com/Results.aspx?ft=2&frm=freesearch&lfd=Y&afs=premiums premiums]] or [[https://www.sportsblog.com/search?search=possible possible]] policy [[http://ms-jd.org/search/results/search&keywords=cancellations/ cancellations]] by [[https://www.b2bmarketing.net/search/gss/preparing preparing]] for your audit.
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What is an [[https://www.vocabulary.com/dictionary/insurance insurance]] audit?
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[[http://www.homeclick.com/web/search/search.aspx?Ntt=Policies Policies]] are [[http://sportsrants.com/?s=audited audited]] to ensure that the [[http://search.usa.gov/search?affiliate=usagov&query=premium premium]] [[http://www.renewableenergyworld.com/_search?q=charged charged]] by the [[http://www.deer-digest.com/?s=insurance insurance]] [[http://www.fin24.com/Search/News?queryString=company company]] [[http://www.hometalk.com/search/posts?filter=reflects reflects]] their actual exposure, which was [[http://dictionary.reference.com/browse/estimated?s=ts estimated]] at policy [[http://www.wood-furniture.biz/search/search.php?query=inception&search=1 inception]].
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[[http://realitysandwich.com/?s=Insurance Insurance]] audits are [[http://www.fin24.com/Search/News?queryString=performed performed]] by [[http://www.deer-digest.com/?s=employees employees]] of the [[http://www.51ideas.com/?s=insurance insurance]] [[http://www.search.com/search?q=company company]] or [[http://www.deer-digest.com/?s=independent independent]] [[http://www.nuwireinvestor.com/results.aspx?searchwords=auditors auditors]] hired by the [[http://pixabay.com/en/new-zealand-waterfall-nature-insurance/ insurance]] company; in some cases forms will be sent to the [[http://www.foxnews.com/search-results/search?q=business business]] for a 'self audit' [[http://www.answers.com/topic/process process]].
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In all cases, the [[http://www.nuwireinvestor.com/results.aspx?searchwords=business business]] must [[http://www.wonderhowto.com/search/prepare/ prepare]] [[http://kscripts.com/?s=information information]] and [[https://soundcloud.com/search/sounds?q=utilize&filter.license=to_modify_commercially utilize]] the time of its [[http://www.thefreedictionary.com/employees employees]] to [[http://rt.com/search/everywhere/term/respond/ respond]] to the audit. The level of [[http://www.reddit.com/r/howto/search?q=personnel personnel]] [[http://www.express.co.uk/search/required/ required]] varies based on the [[http://www.accountingweb.co.uk/search/site/company%27s company's]] size. [[http://www.adobe.com/cfusion/search/index.cfm?term=&Personnel&loc=en_us&siteSection=home Personnel]] [[http://www.paramuspost.com/search.php?query=required&type=all&mode=search&results=25 required]] might [[http://www.thetimes.co.uk/tto/public/sitesearch.do?querystring=include include]] the Office Manager, [[http://www.caringbridge.org/search?q=Accounting Accounting]] Manager, [[http://www.ehow.com/search.html?s=Controller Controller]] or [[http://www.modernmom.com/?s=external external]] CPAs.
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Data is [[http://photobucket.com/images/collected collected]] and [[https://www.flickr.com/search/?q=provided provided]] to the [[http://www.nuwireinvestor.com/results.aspx?searchwords=insurance insurance]] [[http://www.bing.com/search?q=auditor&form=MSNNWS&mkt=en-us&pq=auditor auditor]] by the [[http://www.exeideas.com/?s=company company]] [[http://www.twitpic.com/tag/personnel personnel]].
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What is the [[http://blogs.realtown.com/search/?q=auditor auditor]] [[https://www.youtube.com/results?search_query=looking,creativecommons looking]] for?
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[[http://www.glamour.de/content/search/?SearchText=Insurance Insurance]] [[http://search.usa.gov/search?affiliate=usagov&query=companies companies]] audit [[http://www.nuwireinvestor.com/results.aspx?searchwords=certain certain]] [[http://dict.leo.org/?search=Liability Liability]] [[http://topofblogs.com/tag/policies policies]] and ALL [[http://browse.deviantart.com/?q=Workers%27 Workers']] [[http://realitysandwich.com/?s=Compensation Compensation]] [[http://www.martindale.com/Results.aspx?ft=2&frm=freesearch&lfd=Y&afs=policies policies]]. The audits [[http://www.wired.com/search?query=collect collect]] [[http://mondediplo.com/spip.php?page=recherche&recherche=exposure exposure]] [[http://www.renewableenergyworld.com/_search?q=information information]] [[https://www.vocabulary.com/dictionary/estimated estimated]] when the policy was [[http://data.gov.uk/data/search?q=written written]] and [[https://twitter.com/search?q=compares&src=typd compares]] it to the [[http://www.speakingtree.in/search/actuals actuals]].
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This data is then used for [[http://www.zixiutangpollencapsules.com/?s=determining determining]] and [[http://www.britannica.com/search?query=adjusting adjusting]] [[https://www.change.org/search?q=premium premium]] [[http://www.cbsnews.com/search/?q=amounts amounts]]. [[http://lerablog.org/?s=Information Information]] [[http://data.gov.uk/data/search?q=typically typically]] (though not exclusively) [[http://photobucket.com/images/required required]] [[http://www.healthynewage.com/?s=includes includes]] the following:
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* [[http://www.thefreedictionary.com/Liability Liability]] Policies
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Ø Gross [[http://www.alexa.com/search?q=company&r=topsites_index&p=bigtop company]] sales
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Ø [[http://www.ehow.com/search.html?s=Independent Independent]] [[http://search.usa.gov/search?affiliate=usagov&query=contractor contractor]] costs ([[http://www.healthynewage.com/?s=insured insured]] and uninsured)
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Ø [[http://www.wordreference.com/definition/Payroll Payroll]] for [[https://www.gov.uk/search?q=certain certain]] types of exposures
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* [[http://thesaurus.com/browse/Workers%27 Workers']] [[http://www.msnbc.com/search/Compensation Compensation]] Policies
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Ø Actual [[http://www.homeclick.com/web/search/search.aspx?Ntt=employee employee]] payroll
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Ø Cost of [[http://www.telegraph.co.uk/search/?queryText=independent independent]] [[http://www.51ideas.com/?s=contractors contractors]] if no [[http://search.usa.gov/search?affiliate=usagov&query=certificate certificate]] or proof of other [[https://knoji.com/search/?query=coverage coverage]] is provided
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This [[http://statigr.am/tag/information information]] may be in the form of [[http://en.search.wordpress.com/?q=payroll payroll]] records, [[http://www.community.covnews.com/archives/search/?searchthis=Federal Federal]] Form 941, [[https://www.sportsblog.com/search?search=Financial Financial]] Statements, Check [[http://lerablog.org/?s=Registers Registers]] and [[http://www.ehow.com/search.html?s=Certificates Certificates]] of [[http://www.cbsnews.com/search/?q=Insurance Insurance]] from contractors/[[http://en.search.wordpress.com/?q=vendors vendors]].
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A [[http://www.wonderhowto.com/search/company%27s/ company's]] use of [[http://www.express.co.uk/search/contractors/ contractors]] can be [[http://www.zixiutangpollencapsules.com/?s=determined determined]] by [[http://www.dict.cc/?s=information information]] [[https://www.change.org/search?q=disclosed disclosed]] in the [[https://www.change.org/search?q=financials financials]] or check [[https://www.academia.edu/people/search?utf8=%E2%9C%93&q=register register]]. Contractors/[[http://dict.leo.org/?search=Vendors Vendors]] that do not have valid [[http://www.stockhouse.com/search?searchtext=insurance insurance]] [[http://www.gameinformer.com/search/searchresults.aspx?q=certificates certificates]] [[http://www.caringbridge.org/search?q=proving proving]] [[http://www.trainingzone.co.uk/search/independent independent]] [[https://www.herfeed.com/?s=coverage coverage]] will be added to the [[http://www.usatoday.com/search/company%27s/ company's]] [[http://www.channel4.com/news/exposure exposure]] totals. Not only do the [[https://www.biggerpockets.com/search?utf8=%E2%9C%93&term=possibly possibly]] [[http://www.wired.com/search?query=uninsured uninsured]] contractors/[[http://wideinfo.org/?s=vendors vendors]] [[http://www.broowaha.com/search/increase increase]] a [[http://www.healthynewage.com/?s=company%27s company's]] [[http://www.nuwireinvestor.com/results.aspx?searchwords=exposure exposure]] to loss, they can also cause [[http://www.houzz.com/?search=significant significant]] [[http://www.groundreport.com/?s=increases increases]] in their [[http://www.travelpod.com/s/premiums premiums]].
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What makes for a 'good audit' [[http://statigr.am/tag/experience experience]]?
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The main [[http://www.wood-furniture.biz/search/search.php?query=requirement&search=1 requirement]] for a 'good audit' [[http://search.un.org/search?ie=utf8&site=un_org&output=xml_no_dtd&client=UN_Website_en&num=10&lr=lang_en&proxystylesheet=UN_Website_en&oe=utf8&q=experience&Submit=Go experience]] is having all the [[http://www.futureofeducation.com/main/search/search?q=information information]] [[http://www.squidoo.com/search/results?q=requested requested]] [[http://de.bab.la/woerterbuch/englisch-deutsch/readily readily]] [[http://www.speakingtree.in/search/available available]] for the [[http://ccmixter.org/api/query?datasource=uploads&search_type=all&sort=rank&search=auditor&lic=by,sa,s,splus,pd,zero auditor]] when they arrive on the [[https://knoji.com/search/?query=premises premises]].
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This [[http://hararonline.com/?s=includes includes]] easy access to [[http://rt.com/search/everywhere/term/contractor/ contractor]] [[http://www.zixiutangpollencapsules.com/?s=certificates certificates]] of [[http://venturebeat.com/?s=insurance insurance]] [[http://www.wonderhowto.com/search/demonstrating/ demonstrating]] that the [[http://www.dailymail.co.uk/home/search.html?sel=site&searchPhrase=coverage coverage]] is [[http://www.buzznet.com/?s=current current]] and meets [[http://www.dict.cc/englisch-deutsch/required.html required]] limit levels. The [[http://www.cbsnews.com/search/?q=upfront upfront]] [[http://browse.deviantart.com/?qh=&section=&global=1&q=preparation preparation]] and [[https://www.youtube.com/results?search_query=organization,creativecommons organization]] by the [[http://www.modernmom.com/?s=company company]] can [[http://www.foxnews.com/search-results/search?q=prevent prevent]] [[http://wideinfo.org/?s=ongoing ongoing]] audit [[http://www.bbc.co.uk/search/?q=responses responses]] and [[http://www.paramuspost.com/search.php?query=adjustments&type=all&mode=search&results=25 adjustments]] later on. [[http://www.lifebeyondtourism.org/?header_search=Another Another]] 'good audit' [[http://www.msnbc.com/search/experience experience]] is no [[https://www.herfeed.com/?s=surprises surprises]] such as large [[http://scp-knowledge.org/?s=premium premium]] adjustments, [[http://www.broowaha.com/search/amounts amounts]] due or [[http://ajt-ventures.com/?s=returns returns]] after the audit is [[http://ms-jd.org/search/results/search&keywords=complete/ complete]].
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What makes for a 'bad audit' [[http://www.techandtrends.com/?s=experience experience]]?
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If the [[http://www.travelpod.com/s/company company]] cannot [[http://sportsrants.com/?s=readily readily]] access the [[http://www.bing.com/search?q=requested&form=MSNNWS&mkt=en-us&pq=requested requested]] data, a [[http://www.recruitingblogs.com/main/search/search?q=variety variety]] of [[http://www.internetbillboards.net/?s=unwanted unwanted]] events can occur including:
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Ø [[https://twitter.com/search?q=Excessive&src=typd Excessive]] waste of time for the [[http://www.recruitingblogs.com/main/search/search?q=auditor auditor]] and [[http://www.thefashionablehousewife.com/?s=company company]] personnel
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Ø [[http://www.zixiutangpollencapsules.com/?s=Company Company]] (Policy holder) gets a bill for a large [[http://www.shewrites.com/main/search/search?q=additional additional]] [[http://search.un.org/search?ie=utf8&site=un_org&output=xml_no_dtd&client=UN_Website_en&num=10&lr=lang_en&proxystylesheet=UN_Website_en&oe=utf8&q=premium&Submit=Go premium]] for the audit period and next period
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Ø [[http://search.about.com/?q=Company Company]] must [[https://www.gov.uk/search?q=immediately immediately]] [[http://photobucket.com/images/contact contact]] [[http://www.adobe.com/cfusion/search/index.cfm?term=&contractors&loc=en_us&siteSection=home contractors]] [[http://www.dailymail.co.uk/home/search.html?sel=site&searchPhrase=requesting requesting]] [[http://www.alexa.com/search?q=certificates&r=topsites_index&p=bigtop certificates]] and [[http://www.dailymail.co.uk/home/search.html?sel=site&searchPhrase=forward forward]] to [[http://www.wikipedia.org/wiki/auditor auditor]] for [[http://lerablog.org/?s=premium premium]] adjustments, [[http://realitysandwich.com/?s=requiring requiring]] [[http://statigr.am/tag/significant significant]] time for both [[http://edition.cnn.com/search/?text=parties parties]].
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What are the [[http://www.exeideas.com/?s=potential potential]] [[http://www.homeclick.com/web/search/search.aspx?Ntt=consequences consequences]] of a bad audit?
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The [[http://dict.leo.org/?search=results results]] of a bad audit can be severe, [[https://knoji.com/search/?query=especially especially]] if the audit [[https://www.behance.net/search?content=projects&sort=appreciations&time=week&search=resulted resulted]] in [[http://de.bab.la/woerterbuch/englisch-deutsch/additional additional]] [[http://www.covnews.com/archives/search/?searchthis=premiums premiums]].
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[[http://search.usa.gov/search?affiliate=usagov&query=Policies Policies]] may be [[http://www.blogher.com/search/apachesolr_search/cancelled cancelled]] due to [[http://www.automotivedigitalmarketing.com/main/search/search?q=non-payment non-payment]] of the [[http://www.community.covnews.com/archives/search/?searchthis=additional additional]] [[http://www.paramuspost.com/search.php?query=premium&type=all&mode=search&results=25 premium]] or for [[http://www.wired.com/search?query=non-cooperation non-cooperation]] in the audit [[http://www.thefashionablehousewife.com/?s=process process]]. The [[http://www.shewrites.com/main/search/search?q=company company]] could have their credit [[http://www.zixiutangpollencapsules.com/?s=affected affected]]. Staff will need to [[http://ccmixter.org/api/query?datasource=uploads&search_type=all&sort=rank&search=dedicate&lic=by,sa,s,splus,pd,zero dedicate]] [[http://imgur.com/hot?q=additional additional]] time to [[https://www.flickr.com/search/?q=correct correct]] or adjust audit discrepancies, [[https://www.gov.uk/search?q=resulting resulting]] in lost [[http://www.express.co.uk/search/productivity/ productivity]] and a [[http://ajt-ventures.com/?s=disruption disruption]] of the work [[http://www.becomegorgeous.com/topics/routine routine]].
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An [[http://www.healthynewage.com/?s=insurance insurance]] [[http://www.tumblr.com/tagged/company company]] could cancel the easy 'self audit' [[http://ajt-ventures.com/?s=process process]] and insist on 'in [[http://www.tumblr.com/tagged/person%27 person']] audits.
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How do you avoid a 'bad audit' [[http://photobucket.com/images/experience experience]]?
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Two words - be [[https://www.gov.uk/search?q=prepared prepared]]. [[http://www.alexa.com/search?q=Understand&r=topsites_index&p=bigtop Understand]] what is [[http://www.buzznet.com/?s=auditable auditable]] and what the audits are based on. Have the [[http://www.alexa.com/search?q=requested&r=topsites_index&p=bigtop requested]] [[http://www.reddit.com/r/howto/search?q=financial financial]] [[https://www.biggerpockets.com/search?utf8=%E2%9C%93&term=information information]] [[http://www.wikipedia.org/wiki/available available]] for the [[http://www.healthncure.net/?s=auditor auditor]].
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[[http://www.caringbridge.org/search?q=Present Present]] [[http://www.empowher.com/search/site/up-to-date up-to-date]] [[http://www.adobe.com/cfusion/search/index.cfm?term=&insurance&loc=en_us&siteSection=home insurance]] [[http://www.deer-digest.com/?s=certificates certificates]] for all [[http://www.foxnews.com/search-results/search?q=vendors vendors]] and [[http://search.usa.gov/search?affiliate=usagov&query=contractors contractors]] [[http://www.tumblr.com/tagged/indicating indicating]] limits meet [[http://www.wikipedia.org/wiki/requirements requirements]] and [[http://www.wired.com/search?query=coverage coverage]] dates are [[http://www.hometalk.com/search/posts?filter=current current]]. Be sure the [[http://www.martindale.com/Results.aspx?ft=2&frm=freesearch&lfd=Y&afs=certificates certificates]] are [[http://www.martindale.com/Results.aspx?ft=2&frm=freesearch&lfd=Y&afs=tracked tracked]] and kept up to date. The best way to manage [[http://www.msnbc.com/search/contractor contractor]] [[https://www.google.com/search?hl=en&gl=us&tbm=nws&q=certificates&btnI=lucky certificates]] is by [[http://www.search.com/search?q=maintaining maintaining]] an [[http://www.squidoo.com/search/results?q=automated automated]] [[http://lerablog.org/?s=certificate certificate]] [[http://answers.yahoo.com/search/search_result?p=tracking&submit-go=Search+Y!+Answers tracking]] system that [[http://venturebeat.com/?s=provides provides]] policy [[http://www.hometalk.com/search/posts?filter=expiration expiration]] [[https://twitter.com/search?q=notices&src=typd notices]] and allows you to attach images of the [[https://www.google.com/search?hl=en&gl=us&tbm=nws&q=certificate certificate]] for quick access during the audit, [[http://www.examandinterviewtips.com/search?q=helping helping]] to avoid [[http://www.buzzfeed.com/search?q=unnecessary unnecessary]] [[https://openclipart.org/search/?query=adjustments adjustments]] to the [[http://www.fin24.com/Search/News?queryString=premium premium]].
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[[http://www.squidoo.com/search/results?q=Automated Automated]] [[http://www.usatoday.com/search/systems/ systems]] - [[http://www.51ideas.com/?s=notably notably]] [[http://www.speakingtree.in/search/insurance insurance]] and vendor [[http://www.dict.cc/englisch-deutsch/tracking.html tracking]] [[http://www.travelpod.com/s/software software]] - are [[http://www.medcheck-up.com/?s=available available]] on the market to help in this [[https://openclipart.org/search/?query=process process]].
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To [[https://www.rewards-insiders.marriott.com/search.jspa?q=survive survive]] your [[http://www.ehow.com/search.html?s=insurance insurance]] audit, make sure you know what the [[http://www.wired.com/search?query=auditor auditor]] wants in advance[[ ]], [[http://edublogs.org/?s=collect collect]] and [[http://www.msnbc.com/search/organize organize]] the [[http://www.purevolume.com/search?keyword=information information]] and be ready to find [[http://www.futureofeducation.com/main/search/search?q=additional additional]] data [[http://thesaurus.com/browse/quickly quickly]].
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Avoid the [[http://www.deer-digest.com/?s=pitfalls pitfalls]] and [[http://www.techandtrends.com/?s=surprises surprises]] of the 'bad audit' [[http://scp-knowledge.org/?s=experience experience]]!
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