Every line your team
actually audits.

Co-Pilot turns messy policyholder records into an audit-ready exposure picture.

Commercial General Liability (CGL)

The audit type depends on which classifications apply to the risk.

By exposure base

• Gross Sales — mercantile risks, manufacturing/processing risks, restaurants, retail stores, wholesalers, miscellaneous risks rated on sales
• Payroll — contracting and servicing risks (most contractors), real estate agents, insurance agents, and certain miscellaneous classifications
• Admissions — theaters, amusement parks, sporting events, concert venues
• Area — buildings or premises risks (lessor's risk, office buildings, warehouses, parking lots rated on square footage)
• Each — per-unit bases such as per kennel, per apartment unit, per student, per bed
• Total Cost — typically owners and contractors protective (OCP) and certain construction-related coverages
• Total Operating Expenditures — government entities and certain not-for-profits
• Units — apartment buildings, condominiums, self-storage units

Sub-categories within CGL that we support

• Liquor Liability — restaurants, bars, taverns, package stores, nightclubs, breweries, wineries, distilleries, caterers serving alcohol — audited on alcohol gross sales
• Products / Completed Operations — manufacturers, wholesalers, distributors — rated as a subline using the same exposure base as Premises/Operations under the uniform exposure base concept
• Lessor's Risk Only (LRO) — landlords renting commercial space
• Owners and Contractors Protective (OCP) — project owners and general contractors
• Contractors Protective Liability
• Railroad Protective Liability
• Manufacturers' Errors and Omissions / Products Liability standalone

Workers' Compensation & Employers' Liability

• Standard Workers' Compensation — voluntary market policies
• Assigned Risk / Residual Market policies
• USL&H — United States Longshore and Harbor Workers' Compensation Act — added by endorsement; covers maritime workers on navigable waters
• Maritime Coverage Endorsement (Jones Act) — ship's cooks, pursers, mechanics, etc.
• Voluntary Compensation and Employers' Liability Endorsement — for farm, domestic, or casual labor employees and volunteers
• Foreign Voluntary Compensation — for employees working abroad
• Stop-Gap Employers' Liability — needed in monopolistic states (ND, OH, WA, WY) where WC is provided by the state fund but EL is not
• F-Classification policies — operations subject to federal acts
• Per-Capita classifications — domestic workers, certain agricultural

Commercial Auto

Coverage forms

• Business Auto Coverage Form — most commercial vehicles — audited on vehicle counts/classifications (size, business use, radius of operation, garaging location)
• Truckers / Motor Carrier Coverage Form — for risks transporting goods/materials/commodities for others. Three audit bases: specific auto (per vehicle), cost of hire, and gross receipts
• Garage Coverage Form — Dealers — franchised and non-franchised new/used vehicle dealerships — audited on employee counts, non-employee counts, covered vehicles, customer auto exposures
• Garage Coverage Form — Non-Dealers — still in use by some carriers — auto service/repair shops, parking garages, storage garages, trailer dealerships

Sub-coverages and endorsements that affect audit

• Hired Auto Liability — based on cost of hire
• Non-Ownership Liability — based on number of employees
• Bobtail / Non-Trucking Liability
• Trailer Interchange — local, intermediate, and long-distance
• Auto Physical Damage — comprehensive, specified perils, collision
• Garagekeepers — for vehicles in dealer's care, custody, control
• Public Auto / Livery — taxis, limousines, buses, paratransit
• Special Types — leasing/rental concerns, mobile equipment, farm vehicles

Specialty Liability Lines

• Liquor Liability (standalone) — when not bundled into CGL
• Professional Liability / Errors & Omissions — when rated on gross receipts or fees
• Directors & Officers (D&O) — typically rated on revenue/assets at issuance, but some policies audit
• Employment Practices Liability (EPLI) — rated on employee count
• Cyber Liability — sometimes rated on revenue
• Pollution Liability / Environmental Impairment Liability — often rated on payroll or gross receipts
• Contractors' Pollution Liability
• Profession-specific Professional Liability — accountants, architects, engineers, lawyers, medical malpractice — rated on receipts, headcount, or per-professional
• Cargo / Inland Marine — sometimes rated on freight charges or values

Property & Package Lines with Auditable Components

• Builders' Risk — rated on total project cost — final audit at completion
• Business Owners Policy (BOP) — the liability portion may be auditable when sales/payroll exceed certain thresholds; some BOPs are non-auditable
• Commercial Package Policies (CPP) — any auditable component (GL, auto, WC) within the package
• Crime / Fidelity — typically rated on number of employees
• Equipment Floaters / Contractors' Equipment — rated on values

Specialty / Program Business

• Liquor establishments — taverns, bars, restaurants — combined GL + Liquor Liability + sometimes Assault & Battery
• Habitational — apartments, condos, hotels — rated on units, area, or admissions
• Construction / Wrap-Up Programs (OCIP / CCIP) — owner-controlled or contractor-controlled insurance programs
• PEO (Professional Employer Organization) policies
• Staffing / Temporary Labor policies
• Special Events — short-term policies often audited at event close
• Self-Insured Group / Captive retentions — where audit verifies allocation

Surety-Adjacent / Less Common Audited Lines

• Surety bonds — with premium based on contract value — audited at completion
• Aviation liability — rated on passenger seats, hours flown, or gross receipts
• Marine / Ocean Marine — rated on vessel values, crew, or gross freight