Doing the following will make an audit as convenient and expedient as possible:

• Have available your payroll records showing total gross payroll by employee and by company.
• Have payroll records show overtime separately.
• If you are a contractor, keep a workers' compensation worksheet showing gross payroll by job and classification.
• Have in your file certificates of workers' compensation insurance for all subcontractors.
• Have DWC-11-IC forms for all independent contractors filed with the Department of Labor & Training.
• Have Business Invoices & General Liability Certificate for all independent contractors.

All subcontractors and independent contractors that have not provided The Beacon with either a certificate of workers' compensation insurance or a legitimate DWC-11-IC form will be included in the general contractor's audit and bill for premium charge. Beacon Mutual, like the Workers' Compensation Court, may still determine that there is an employer/employee relationship.