FIELD NOTES
Keep employee duty records
Document actual duties and maintain records that support payroll separation where the classification rules permit it. Job titles alone are not enough.
FIELD NOTES
Track subcontractors
Retain subcontractor agreements, invoices and insurance evidence for the dates they worked. Uninsured or incorrectly documented labor can affect the audit.
FIELD NOTES
Review changes during the year
New trades, crews, owner arrangements and larger payroll can change the exposure. Discuss material changes before renewal or audit.
FIELD NOTES
Understand the classifications
CSLB trade classifications and workers’ compensation payroll codes are different. Check classifications against the policy and applicable rules; do not select a code solely because it appears cheaper.
Written for contractor insurance reviews with Jesse Denno · CA insurance license #4503208 · October 7, 2026. General information; individual policy terms and current requirements control.