Normandy Workers' Comp Audit FAQs

Payroll Reporting & Payments

How do I report payroll?

Enter the total payroll and employee count per class code.
Upload your payroll report.
Review the premium calculated by the system.
Verify your bank account information and authorize payment.

Do I have to report payroll even if I had $0 in wages last month?

Yes — payroll must be reported every month, including months with no wages. However, the portal does not accept $0 entries directly.If you had no payroll last month, please email your $0 payroll report to accounting@normandyins.com instead of submitting through the portal.

How do I pay an invoice?

Click Make Payment.
Scroll to view your open invoices.
Check the invoice(s) you want to pay.
Verify your bank account information and authorize payment.

Can I make payment using a credit card?

Credit card payments aren't available directly inside the portal, but you can pay by card using our one-time payment link — no login required.
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Here's how:

On the login screen, click Make a One Time Payment.
Select Premium, then enter your policy number, name, and email address.
Check the invoice(s) you want to pay and click Pay.
Enter your card or bank account details and authorize payment.

Note: A 3.25% processing fee applies to credit and debit card transactions.

Can I pay without logging in?

Yes. Use the one-time payment link on the login screen - click Make a One Time Payment and follow the steps above. You don't need a password or an account to complete payment this way.

Where can I find my payment history?

Click View History in the portal to see a record of all prior payments.

Go to Settings.
Scroll to Automatic Payments.
Change Auto-Pay Status to Enrolled.
Enter your routing and account numbers, then click Update.

How do I turn off automatic payments?

Go to Settings.
Scroll to Automatic Payments.
Change Auto-Pay Status to Opt Out.
Click Update to save the change.

How do I set up ACH to receive commissions or refunds?

Go to settings
Scroll to ACH Data
Complete all fields and click Submit.

Policy Documents

Where can I get my certificate of insurance?

To get a copy of your certificates of insurance, please contact your agent directly. They will be able to provide you with the certificates you need. If you’re unsure who your agent is, feel free to reach out to us for assistance.

How can I order Loss Runs?

To obtain a copy of your loss history, simply log into the online portal and navigate to the “View Losses” section.

How do I renew or view the current status of my policy?

Your insurance agent will typically handle the renewal process by reaching out to our team on your behalf. If needed, they can provide you with the most up-to-date information about your policy and assist with any next steps. If you're unsure who your agent is, contact us for assistance at applications@normandyins.com or by calling our general number at 866-688-6442.

Where can I find copies of my policy documents?

The portal gives you access to policy documents, including endorsements, invoices, and cancellation or reinstatement notices.

Click Policy Documents.
Select the document you need from the list.
Click View Report to download the document.

Audit Questions

What is a Premium Audit?

Premium audits are vitally important. They determine the final premium for an insurance policy, and the data collected during an audit is later submitted to rating organizations, such as NCCI and independent bureaus.

This information is used in developing experience mods Workers' Compensation premiums are estimated at the start of a policy and are based on expected business operation and payroll information.

To ensure these figures are accurate and classifications remain appropriate, all Workers' Compensation policies are subject to an audit to determine the actual premium. The audit takes estimated payroll and converts the policy premiums, so they are based on actual payroll. Audits are required by Workers' Compensation.

What is the Importance of an Insurance Audit?

The WC audit determines the final premium for an insurance policy, the data collected at time of audit helps Normandy review payrolls, class codes and claims data. The premium audit needs to be accurate, verified, and in compliance with mandated rules and regulations. It also gives you an overview of the full year's records.

What Happens if the Workers' Comp Audit is not complete?

The audit will be estimated per State statute a surcharge of up to 300% can be applied to your policy, your policy can be placed in cancellation for non-compliance of the audit. Please note even if the estimated audit is paid, the cancellation will not be lifted until the actual audit is completed.

How does Normandy determine whether my audit will be a Physical audit or a mail audit?

1st year audits are always physical. After that, we go by each state statute.

What types of payroll documentation is needed to complete the mail audit?

Insureds will need to complete the audit form and questionnaire we supply, return it via mail, fax or email. Including their federal 941's forms, state quarterly reports, or a detailed payroll summary for the policy period.

How and When and who will I be contacted for a Physical Audit?

The following information will be need it by the auditor per policy period:

Detailed Payroll Report (separate & total by class/job type and Officers) for Period.
State Quarterly Report (Department of Revenue Employer's Quarterly Report)
941's (Employer's Quarterly Federal Tax Return)
Payroll Register
General ledger
Profit & loss Statement
Names and amounts paid to each subcontractor along with copies of Certificates of Insurance or Exemption forms covering the audit period.

*About Officer's Certification: Please verify with your Agent of record that your exemption is valid and up to date.

Do we include overtime in the audit, and if so, how do we calculate the payroll?

One-third of the overtime payroll is allowed to be excluded. The same would hold true with double time. We include half of the double-time payroll to come up with the amount of straight time payroll. In some states, overtime pay is included, please check your state requirements to be sure.

If coverage is placed with another insurance company, am I still required to complete an audit?

Yes, audits are based on expired policies. Every policyholder is required to finalize every policy.

If my policy is billed as a Pay Go do, I still need an audit?

Yes, per each state's statute, an audit it to be performed at the end of the policy period to finalize actual payroll figures

Who can I contact if I have questions on my audit?

Please contact your Agent of Record and/or our Audit Department at 866-688-6442, option #3.

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Payroll Reporting & Payments

Policy Documents

Audit Questions

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