How to Handle Commercial Auto Insurance Audits  

Commercial auto insurance audits are routine evaluations conducted by insurers to confirm that the coverage and premiums accurately reflect a business’s actual operations. These audits can help verify that the policyholder is paying the correct amount based on vehicle usage, employee roles and business changes.

Tips for Handling Commercial Auto Insurance Audits

Consider the following tips to handle commercial auto insurance audits effectively:

• Understand the purpose. Insurance audits are not punitive—they’re about accuracy. Insurers want to confirm that the information provided at the start of the policy term (like number of vehicles, types of use and driver details) still holds true.

• Keep accurate records. Maintain detailed logs of vehicle usage, mileage, driver assignments and any changes in your fleet. Payroll records and employee job descriptions are also crucial, especially if your policy is rated based on employee classifications.

• Communicate changes promptly. If your business has added vehicles, changed routes or hired new drivers, notify your insurer as soon as possible. Proactive communication can prevent surprises during the audit.

• Prepare for the audit. When notified of an upcoming audit, gather all requested documents in advance. This may include vehicle logs, maintenance records, driver lists and financial statements. Being organized can speed up the process and reduce stress.

• Ask questions. Don’t hesitate to ask your insurance representative if anything is unclear—whether it’s the audit process or how premiums are calculated. Understanding the criteria can help you better manage your policy going forward.

• Review the results. Once the audit is complete, review the findings carefully. If discrepancies arise, you have the right to dispute them with supporting documentation.

Learn More

For more commercial auto insurance guidance, contact Trilogy Insurance Brokers, Inc..

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.