Premium Collected

$1.24M

Premium collected today

Files Processed

12,847

+342 today

Payroll → premium, live

Auditing

Employees Reported

Class Codes

Validated

Quarantined

#	FIRST NAME	LAST NAME	STATE	CLASS CODE	CHECK DATE	GROSS WAGES	OVERTIME	BONUS
1	ALEXANDER	HARCUS	LA	8810	03/30/2026	$13,541.67	$1,240.00	$0.00
2	ANDREW	LEBLANC	LA	8810	03/30/2026	$4,162.50	$0.00	$0.00
3	BENNETT	DUFFY	TX	9999	03/30/2026	$3,384.61	$520.00	$250.00
4	CHRISTINE	MONTZ	LA	8810	03/30/2026	$12,500.00	$0.00	$2,500.00
5	JAMIE	JOHNSON	LA	8810	03/30/2026	$3,375.00	$675.00	$0.00
6	RACHEL	WARD	ZZ	5190	03/30/2026	$8,958.33	$0.00	$1,000.00
7	MARY	BROWN	LA	8810	03/30/2026	$6,000.00	$890.00	$0.00
8	MORELL	CRANE III	LA	5190	03/30/2026	$9,200.00	$0.00	$0.00

Audits

We read payroll, class codes and subcontractors straight from the documents you already have. With a policy on our platform or none at all, we only need the data, and we settle the difference to the penny.

Workers’ Comp General Liability Liquor Liability Disability & PFL Commercial Auto

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Premium Collection

We collect the premium from the insured and remit it to the carrier or the agency: charged on every payroll, billed straight from the policy, or financed across the term.

Pay as You Go Direct Billing Premium Finance

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Trust on Us

The Center

Everything Orbits Around The Premium Collection

Our expertise is collecting premium money — every product we build sits around that one job.

Audit1 is the payment processor for the insurance industry — already automating $2B+ in premiums for carriers and agencies. Computed from live payroll or billed straight from the policy, then collected, remitted, and audited. One rail for all of it.

Premium Collection

The center of everything we build

PAY GO

Premium from live payroll

Direct Billing

Premium on a schedule

Audit

We audit the insured for you

White-label

Your brand, our engine

Carriers

Agencies

Payroll Companies

Insureds

Who It's For

Built for Carriers and Agencies

Sold directly to the businesses that carry the risk. Everyone else on the platform is an ally, or the insured just running payroll.

Carriers

You underwrite. We collect, remit and audit.

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Agencies

Offer PAY GO and Direct Billing to your insureds under your brand.

Talk to us

Our Allies

Payroll Providers

The company that runs payroll for your insureds — we connect to their pipeline directly.

Learn more

Payroll Software

The platform payroll runs on — sometimes the provider and the software are the same company.

Learn more

What We Do

Two Ways to Collect Premium

Whether premium comes from live payroll or a fixed schedule, it runs through the same platform.

Premium from live payroll

The premium is computed the moment payroll happens — not once a year.

Just Reporting

We read every payroll and compute the premium to the penny. You bill the insured.

PayrollPremiumYou bill

Money Collection (FBO)

We compute it, collect from the insured by ACH into an FBO account, and remit to you — itemized.

PayrollPremiumACHRemitted

Premium on a schedule

For policies billed on a schedule instead of on payroll — same platform, same statements.

Down Payment + Installments

The insured pays a down payment up front, then the balance across scheduled installments.

Down paymentInstallmentsRemitted

Upfront One-Time Payment

The insured pays the full premium in a single payment.

One paymentRemitted

The Audit

We Audit the Insured for You

Every payroll file lands on a screen that explains itself — payroll-year basis, class-code precision, every number re-derivable.

Overview cards summarizing a payroll file

Every number explained

Class codes, employees, valid rows, total payroll, and premium — a plain-English summary the moment your file is read.

A calm banner flagging a record that is not charged

Problems flagged calmly — never billed, no deadlines

If a row can't be priced, we set it aside and tell you plainly. Premium is never charged for it, and there's no countdown to beat.

A per-row premium breakdown showing the exact math

Proof and receipts for everything

Every row shows the exact math behind its premium, and every notice we send is timestamped on the file. No black boxes.

Read the full guide

Unique to Audit1

Your Brand. Our Engine.

Carriers and agencies get a white-label or semi-custom white-label experience: your name, your domain, your emails, your portals — with premium collection and the audit running underneath.

paygo.yourbrand.com

YB Your BrandWorkers’ Comp Your logo, your colors, your domain Audit1 engine underneath

Your own domain, SSL and environment — provisioned for you, no IT project required.

Your logo, colors and fonts carried through every portal and every email we send.

Ally partner

Public-signal intelligence on every risk — enrichment runs with Insuralyzer, our OSINT ally, so premiums land right the first time.

The Advantage

Why Leading Carriers Choose Audit1

Accuracy

Multi-phase validation engine delivers 99.7% accuracy on premium calculations — verified at the penny level.

Operational Efficiency

From ingestion to smart billing, every step is automated. No spreadsheets, no re-keying, no human errors.

Next-Generation PAY GO

Built for modern PAY GO programs. Real-time payroll data feeds directly into premium calculations each cycle — powered by fintech-grade payment rails and FBO fund management.

Enterprise Security

Google Cloud infrastructure, end-to-end encryption, JWT auth, and role-based access across all portals.

Platform Performance

Processing Time< 3s

Accuracy99.7%

Cost Reduction-82%

Files / Day1,200+

Uptime SLA99.95%

Our Allies

The Payroll Side Is on Our Team

Payroll providers and payroll software are allies, not competition — sometimes the same company, sometimes a provider running on someone else’s software. Either way the payroll reaches us.

…plus the long tail of regional payroll companies, through Accountants World.

However it reaches us, we take it

Auto-connectorWe pull it. Nothing to set up.

REST APIYour system posts it to ours.

WebhookYou push it the moment it happens.

Secure SFTPDrop the file, encrypted.

EmailSend the file as an attachment.

AI agentAn agent reports it every cycle.

Developer Platform

Build on Audit1’s API

Production-grade REST API for payroll ingestion, employee sync and premium automation. Start in minutes, scale to millions.

Submit a payroll report

// POST /api/v1/payroll/reports
Authorization: Bearer audit1_live_sk_…
Content-Type: application/json

{
  "employer_id": "emp_8x2k9f3",
  "policy_id"  : "pol_4m7n2j1",
  "period"     : "2026-03-01",
  "employees" : [
    { "name": "Jane Smith", "class_code": "8810",
      "state": "CA", "gross_wages": 4250.00 }
  ]
}

// 202 Accepted
{ "file_id": "fil_9k3m…", "status": "processing" }

Submit payroll, sync employees, track file status and receive real-time webhook events — with examples, error handling and SDKs.

Explore the API docs MCP for agents

MCPAutonomous agents report payroll every cycle through the Model Context Protocol — self-correcting, always-on. A human still makes every decision.

FAQ

Everything You Need to Know

Common questions about premium collection, Direct Billing, and the audit.

What is PAY GO?

PAY GO is premium collection straight from live payroll. Every time payroll runs, we compute the exact premium for that period and either report it to you or collect it from the insured — no annual audit, no big true-up at year end.

What's the difference between Just Reporting and Money Collection?

Both start the same way — we read the payroll and compute the premium to the penny. With Just Reporting, we hand you that number and you bill the insured yourself. With Money Collection, we also collect the premium from the insured by ACH into an FBO account and remit it to you, itemized.

What is Direct Billing?

Direct Billing is for policies that aren't tied to live payroll — premium collected on a schedule instead. The insured can pay a down payment plus installments, or the full premium upfront in one payment. Same platform, same statements, same visibility.

Who is Audit1 for — and what about payroll companies and insureds?

Audit1 is built for carriers and agencies — that's who we work for directly. Payroll providers and payroll software companies are our allies; the payroll they already run is how premium reaches us. And the insured just keeps running payroll as normal, reporting or paying through Express Report and Express Pay when needed.

Do you offer white-label?

Yes. Carriers and agencies can offer Audit1 under their own brand — your name, your domain, your emails, your portals for insureds and payroll partners — with premium collection and the audit running underneath. Full white-label or semi-custom, your choice.

How does the audit work?

Every payroll file lands on a screen that explains itself in plain English — class codes, employees, valid rows, and the premium math behind every one, all re-derivable by anyone who doesn't take our word for it. If a row can't be priced, we flag it calmly and set it aside — it's never billed, and there's no deadline hanging over it.

How does onboarding and integration work?

Depending on the technical capabilities of the user, it can take between 4 hours and 4 weeks. Our team can approve new portals in minutes. The user does all the customizations and configurations once provided access.

How does Audit1 keep my data secure?

Security is our foundation. We run on Google Cloud with end-to-end encryption, JWT auth, role-based access, and 2FA. Our infrastructure providers — Google Cloud Platform and MongoDB Atlas — are independently SOC 2 audited, with automated backups and disaster recovery.

The Engine

From Your Documents to a Report That Foots

You send what you already have. A swarm of agents reads every page, checks it against the policy, and hands back the audit worksheet plus a PDF report.

Who It's For

Built for Carriers, Agencies and the people who keep the books

Whoever owns the audit can run it here: the carrier that ordered it, the agency that placed the policy, the payroll company or the accountant who already holds the records.