Key takeaways
- H2O Document AI reads payroll reports, registers, tax filings and ledgers into the exposure fields your audit uses, with no templates.
- Each extracted value is checked against the exposure declared on the policy, by location and classification, and matches move on.
- Every variance goes to a premium auditor with the source documents, so the auditor starts from the question instead of the search.
- An agent in H2O AI Super Agent drafts the audit worksheet and the request for missing records; your auditor approves the final audit.
Turn the audit into an exceptions list, not a box of paper
In workers' compensation, general liability and other commercial lines, you set the deposit premium from the exposure a policyholder estimates at binding. The real premium depends on what actually happened, so your premium auditors check the records after the policy period ends.
Those records come in every format: payroll registers from one provider, spreadsheets from another, quarterly tax filings, general ledgers and certificates for subcontractors, many as scans or phone photos.