- 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.
Someone keys the numbers, sorts payroll into the right classifications and compares it with the policy. The auditor's time goes into reading and rekeying, and the questions that change the premium wait.
How AI premium audit validation works
H2O Document AI reads the audit records, validates them against the policy and puts only the exceptions in front of your auditor. Your policy administration and billing systems stay in place; the platform sits on top of them.
Step 1: take in the audit records
Audit documents enter an Enterprise h2oGPTe collection by upload, a connector to a shared repository or the API, including scans, tables, photos and handwriting.
Step 2: extract the exposure
Document AI extractors turn each record into structured output that matches a JSON schema your team defines: employer, period, location, job description, gross payroll, overtime and subcontractor costs. Intelligent character recognition reads each value for its meaning, so different payroll layouts fill the same fields without templates.
Step 3: validate against declared exposure
The extracted payroll is compared with the exposure declared on the policy: the same period, the same locations and the classifications on the schedule. Totals that match within your tolerance move on, and each difference becomes a variance with the documents behind it.
Step 4: route the variances
Agents in H2O AI Super Agent sort the variances by size and type: payroll above the estimate, a job description that may sit in a different classification, a missing record or an uninsured subcontractor. Your auditor reviews each one.
Step 5: draft the audit worksheet
The agent drafts the audit worksheet and a request for any missing records. Your premium auditor checks it, makes the classification calls and approves the audit before it reaches billing.
Classification calls and subcontractor certificates stay with your auditor
Payroll often arrives by employee or job title, and your auditor decides which classification each job belongs in. Retrieval-augmented generation over your classification guide answers with a citation, so the auditor can check the wording behind a suggestion; the agent proposes, your auditor decides.
Payments to subcontractors can count as exposure unless the subcontractor carried its own cover. Document AI reads each certificate of insurance for the named insured, policy dates and coverage, and the agent checks them against the audit period. Certificates that are missing, expired or for the wrong entity go to the auditor as variances, with the payment records beside them.