See which subs had no workers’ comp policy on file while they worked for you.
For Florida contractors who pay 1099 subs. Upload your payments from QuickBooks Online or Xero and see, payment by payment, which subs had no workers’ comp policy on file with the state while they were doing the work: the payments an auditor may count as your own payroll.
No account. Florida only. Your file isn't kept.
Why the audit surprises contractors
Florida requires workers' comp for construction work. After your policy year ends, your insurer audits it. For every payment to a subcontractor, the auditor asks one question: while the sub was doing the work, did they have an active workers' comp policy or a state exemption? If not, some or all of the payment is counted as your payroll and charged at the sub's trade rate. For roofing in 2026 that's $6.75 for every $100.
The audit result arrives 30 to 60 days after the year ends, long after the work is done and the sub is paid. A certificate collected once at the start of a job doesn't help if the sub's policy was cancelled halfway through.
Example: $50,000 paid to roofing subs while their coverage had lapsed adds about $1,700 to $3,400, depending on how much the auditor treats as labor and on your experience mod.
How it works
- Export your payments. QuickBooks Online "Transaction List by Vendor" (or "1099 Transaction Detail" or "Expenses by Vendor Detail"), Xero "Payable Invoice Detail", or any CSV with Date, Vendor and Amount columns.
- Confirm your subs. We match each vendor to Florida's coverage records and show you the business name and address on file, so you can pick the right one.
- See your exposure. For each sub: what you paid while a policy was on file, the payments with no policy on file, and the dates of the gaps. Once the state's exemption records are loaded, you also get a dollar estimate with the formula shown.
- Get a free sample of the audit packet. Enter your email and we send a PDF listing the first 5 payments at risk, each with the state record behind it. The full packet can be reserved: $49 one-time, no charge now.
Where the coverage data comes from
The Florida Division of Workers' Compensation publishes which employers hold policies and which people hold construction exemptions. We load the records we have every week; every result shows the date of the data it used and says whether exemption records were included.
An exemption covers only the officer named on it, not that sub's crew. A sub insured through a PEO is covered only for the workers the PEO accepted. A vendor we can't match means we found no record, not that the sub was uninsured.
For insurance agents
Your data
We read your file to run the check and keep the payments only while you use the tool: they're deleted when you start over or after 30 minutes without activity. We keep counts, such as how many checks were run, and the email address you give us for the PDF or to reserve the audit packet. We never email you anything you didn't ask for. Privacy notice.