Workers comp review usually starts with payroll, but payroll is only part of the conversation. Employee duties, new operations, subcontractor use, hiring plans, claims, and audit questions can all affect how the office prepares for renewal or a new quote.

Changes to flag early

• Payroll changes by role, department, or work type.
• New employees, seasonal crews, part-time help, or a change in owner/officer status.
• New services, job-site work, delivery work, shop work, or work away from the normal location.
• Subcontractor use and whether certificates are collected from them.
• Prior claims, return-to-work changes, safety updates, or open audit questions.

Why timing matters

Waiting until the renewal date can make the review rushed, especially when payroll estimates, class details, certificates, or audit documents need follow-up. Send the changes early so the office can separate a simple update from something that needs carrier review.

This is process guidance, not a coverage decision. A request starts review; it does not bind, change, reinstate, cancel, or guarantee coverage.