Premium audit COVID-19 FAQs
Information on the premium audit process for business insurance policies during the COVID-19 pandemic.

Our approach to premium audits in response to COVID-19
The COVID-19 pandemic continues to impact businesses in the U.S., and our premium audit team is here to support you. Review the frequently asked questions below to learn more about our approach to premium audits during this challenging time.
- My auditor left me a message to schedule my premium audit, but I have shut my business down temporarily due to COVID-19. Do I still have to complete my audit?
- I am self-quarantining and cannot meet with my auditor in person. What do I do?
- Can’t my premium auditor just do my audit in person?
- Our company has instituted a no-visitor policy. How can my premium auditor complete my audit if they can’t come to my office?
- Will my premium auditor wear a mask if they perform an in-person audit? How are your premium auditors staying safe and helping to keep their customers safe?
- Can’t I just mail my records to the auditor?
- I can’t get in touch with my auditor after they left me a message. Whom do I contact to schedule my audit?
- I received an email/letter to complete my eReport audit, but I don’t have access to my records to complete my audit because of COVID-19. Can I do this some other time?
- I can’t get this eReport audit done by the due date; can I have more time? Will I get a bill if I can’t complete this on time?
- I received a paper form, but I don’t have access to my records to complete my audit because of COVID-19. Can I do this some other time?
- I have laid people off and closed my business because of COVID-19. How will this impact my policy and premium?
- I have closed locations and reduced my staff dramatically due to COVID-19. How do I make changes to my in-force policy to reflect these changes?
- I have directed my field employees to work from home and/or I am paying my employees for idle time as they cannot work due to COVID-19. How will this impact my premium audit?
- My company has started to manufacture personal protective equipment (ventilators, vaccines, COVID-19 test kits, masks, gloves, face shields, etc.). How will this impact my policy and my premium audit?
- My company has started to manufacture hand sanitizer. How will this impact my policy and my premium audit?
This website is intended to be informational. Descriptions are provided only as a summary outline of the products and services available and are not intended to be comprehensive and do not constitute an offer to sell or a solicitation. The products and services described may not be available in all states or jurisdictions. See your policy, service contract, or program documentation for actual terms, conditions, and exclusions. Any inquiries regarding the subject matter set forth herein should be directed through licensed insurance professionals.
Coverage and insurance are provided and underwritten by Liberty Mutual Insurance Company or its affiliates or subsidiaries. When we offer insurance products, we will state clearly which insurer will underwrite the policy. Some policies may be placed with a surplus lines insurer. Surplus lines insurers generally do not participate in state guaranty funds and coverage may only be obtained through duly licensed surplus lines brokers.