ALUD Premium Audit Control Tower
Premium Audit Readiness, Evidence & Reconciliation Platform
Stop Chasing Premium-Audit Documents.
Bring premium-audit evidence, reconciliation and readiness into one controlled workflow.
Collect what is required, identify missing evidence, reconcile key records and prepare a review-ready package with a complete audit trail.
Built for commercial insurance agencies, accounting and payroll firms, and businesses managing Workers' Compensation and General Liability premium audits.
The position
We do not assume your audit is wrong.
We make sure the evidence is complete, the numbers reconcile, and the process is traceable.
What a carrier concludes is the carrier’s determination. What you can control is whether the file you hand over is complete, consistent and defensible. That is the whole product.
The problem
The audit is not the hard part. Assembling the evidence is.
The evidence is scattered
Payroll is in one system, the general ledger in another, certificates in a shared drive and the rest in an email thread nobody can find twice.
The same document gets requested three times
Nobody can see what has already arrived, so the client is asked again, and answers more slowly each time.
Payroll evidence goes missing
A quarter is absent, a register covers a different period than the summary, and the gap is found at the worst possible moment.
Payroll and quarterly filings disagree
The register and the wage evidence derived from quarterly filings do not tie, and nobody has written down which one the file is going to rely on.
Subcontractor evidence has holes
Payments exist, the certificate for the period they cover does not, and the difference between the two is what gets classified against you.
Certificate dates do not cover the payments
A certificate is on file, but it expired two months before the work it is meant to cover.
Nobody can say where the audit stands
Not the owner, not the account manager, not the client. The status lives in somebody’s memory.
Uploaded gets mistaken for submitted
The client believes the file went to the carrier because they dropped it in a folder. It did not.
The annual surprise
The problem was there in March and was discovered in November, when the only remaining option is to explain it.
Why premium audits break
Not because people are careless. Because nothing holds the pieces together.
The request list is generic
A standard checklist asks for what most audits need, not for what this audit needs. What is missing is whatever the checklist did not think of.
Collection has no receipt
A document arrives by email or a drive link and nothing records that it arrived, when, from whom, or which requirement it satisfies.
Nothing separates a guess from a decision
Somebody decides a file is a payroll register. Later nobody can tell whether that was a considered determination or a filename read in a hurry.
Comparisons are done once, in a spreadsheet
The numbers were tied out in a workbook that lives on one laptop, under a rule nobody wrote down and a tolerance nobody agreed.
The package is a folder
A folder changes every time someone opens it. What was sent and what is in the folder today are two different things, and there is no way to prove which was which.
The record ends when the engagement does
A year later, the question is why a figure was used. The answer left with the person who made the call.
Who it serves
Built for the people who actually assemble the file
Commercial insurance agencies
Account teams who absorb the audit work their clients cannot do and want it off email.
Insurance brokerages
Multi-producer operations that need one view of every audit in flight, not one per producer.
Accounting firms
Firms whose clients ask them for the payroll and financial evidence an audit demands.
Bookkeeping firms
Teams that hold the records the audit depends on and want to hand them over once, correctly.
Payroll providers
Providers who are asked for registers and quarterly evidence every audit season.
PEOs
Organizations coordinating evidence across many worksite employers at once.
Contractors
Employers whose subcontractor and certificate evidence is the difference between two very different outcomes.
Commercial employers
Any business that goes through a premium audit and wants to stop doing it from an inbox.
Designed for these organizations. ALUD is not asserting that any named organization uses the platform today.
How it works
Ten steps, in order, with a record at every one
Nothing here is automatic magic. Each step is a thing a person does, and the platform makes sure it was done, recorded and reviewable.
Create the audit
The client, the policy period and the lines of business it covers.
Request evidence securely
Requirements built for this audit, sent as a secure link with an expiry.
Client uploads documents
The client uploads against named requirements, without an account.
Verify and organize evidence
A person confirms what each document is. A machine may suggest; it never decides.
Reconcile key records
Named comparisons with recorded rules and thresholds, not a spreadsheet.
Resolve exceptions
Every difference is assigned, explained and closed, or stays open and visible.
Run Audit Preflight
Four separate readiness scores, none of which can mask another.
Generate the preparation package
A versioned document with an integrity record. Version one never changes.
Record submission and status
Submitted, received, accepted and completed are four different facts.
Preserve the complete history
The record outlives the engagement and answers the question a year later.
What the platform does
The capabilities that exist today
This list is what is built and working. Anything planned is labelled as planned.
Secure evidence collection
A secure client request is a link tied to named requirements, with an expiry and the ability to revoke it. The client does not need an account and does not see anyone else’s audit.
- Secure client requests
- Expiry and revocation
- Named requirements, not a generic list
- No account required for the uploader
Evidence Vault
Every document that arrives is stored privately, versioned, and tied to the requirement it answers. A second upload of the same file is recognized as a version, not a duplicate row.
- Private evidence storage
- Document versioning
- Duplicate detection
- Requirement linkage
Classification and human verification
A suggestion about what a document is stays a suggestion until a named person confirms it. Both the suggestion and the confirmation are recorded, separately, with who did which.
- Document classification
- Machine suggestion, clearly marked as a suggestion
- Human verification by a named person
- Evidence ledger of every action
Reconciliation engine
Comparisons with a written rule and an agreed tolerance
A reconciliation names two records, states the rule that relates them, and records the threshold that decides whether a difference matters. The rule is written down before the numbers are run, not after.
What gets compared
- Payroll registerWage evidence derived from quarterly filings
- Payroll summaryQuarterly reports
- Employee rosterPayroll participant data
- Vendor and subcontractor evidenceVendor and 1099 records
- Payment periodsCertificate coverage dates
- Sales evidenceFinancial records
What a comparison can say
Matched
The two records agree within the recorded tolerance.
Within tolerance
They differ, and the difference is inside the threshold that was agreed in advance.
Variance detected
They differ by more than the threshold. The difference is quantified and assigned.
Not measurable
The comparison could not be performed. This is not a pass. It is the absence of a result, and it is shown as one.
Insufficient evidence
One side of the comparison is missing. No evidence is not zero.
Requires review
A person has to look at this before the file moves.
Not measurable and insufficient evidence are never shown in the color of a pass, and never counted as one. A platform that rounds an unknown up to a success is worse than a spreadsheet, because it is confident.
Reconciliation exceptions
A difference is not an error. It is a question with an owner.
Every variance becomes an exception with a materiality, an owner and a state. It is explained and closed, or it stays open and visible on the audit. Nothing disappears because the run was repeated.
- Materiality recorded when the exception is raised
- An assigned owner, not a shared inbox
- An explanation stored with the exception, not in a reply
- Open exceptions remain visible on the audit until they are resolved
- A superseded run never silently closes an open exception
Vendor and certificate evidence
Where the expensive surprises live
Subcontractor payments without matching certificate coverage are, in most audits, the single largest avoidable difference. The platform treats coverage dates as evidence in their own right and compares them against the periods actually paid.
- Certificate evidence held against the vendor it belongs to
- Coverage dates compared with the payment periods
- Gaps surfaced as exceptions with an owner, before submission
- Vendor records reconciled against the payments on file
Audit Preflight
Four scores, because one number hides three problems
Readiness is not a single percentage. A file can have every document and no reconciliation, or every reconciliation and no human review. Preflight reports the four separately and refuses to average them.
Evidence completeness
How much of what was required has actually arrived.
Reconciliation readiness
How much of what can be compared has been compared.
Human review completion
How much has been confirmed by a person rather than suggested by a machine.
Overall operational readiness
Whether the file, as a whole, is in a state a person would defend.
What Preflight can conclude
Not ready
Something required is missing, unresolved or unverified.
Ready for internal review
The file is complete enough for a colleague to review it.
Ready to submit
The preparing firm considers its own preparation finished.
Ready to submit is a statement about your preparation. It is not an approval, not a carrier decision and not a prediction of the outcome.
Preparation package
A document, versioned, that does not change after it is made
The package is generated, not assembled by hand. Version one is fixed at the moment it is created and carries an integrity record, so what was sent can always be told apart from what the folder holds today.
It is a Premium Audit Preparation Package. It is not a certified audit, not a carrier-approved package and not an insurance determination.
What it contains
- Requirements checklist
- Evidence index
- Document versions
- Reconciliation summary
- Exception summary
- Human review status
- Preflight results
- Communication timeline
- Package integrity information
Submission lifecycle
Five facts, not one status field
Most of the confusion in a premium audit comes from treating these as the same event. They are not, and the platform will not let them collapse.
Uploaded
The document exists in the vault. Nothing has been sent.
Submitted
The package left your firm, recorded with when and by whom.
Received
The other side has confirmed it arrived.
Accepted
The other side has confirmed it is workable.
Completed
The audit is concluded. A completion receipt is issued and cannot be edited afterwards.
Uploaded is not submitted. Submitted is not received. Received is not accepted. Accepted is not completed. Every one of those distinctions has cost somebody money.
Traceability
The record is the deliverable
Every action on an audit is written to a ledger that is added to and never rewritten. A year from now, the question is why a figure was used, and the answer is in the file rather than in somebody’s memory.
- Who uploaded a document, and when
- What it was classified as, by suggestion and by confirmation
- Which comparisons ran, under which rule and threshold
- Which exceptions were raised, by whom, and how they closed
- Which package version was released, and which one was sent
- Every lifecycle event, in both languages
Security
Built so one client can never see another
Premium audit evidence is payroll. It is the most sensitive file a small business will ever hand over, and it is treated that way.
Private evidence storage
Documents are stored privately. They are not served from a public link.
Organization-level isolation
Each organization sees its own audits and nothing else. The boundary is enforced by the server, not by the screen.
Controlled user access
People are members of an organization with a role, and the role decides what they can do.
Secure client upload links
A client link is scoped to one audit, expires, and can be revoked at any time.
Versioned evidence
A new upload becomes a new version. Nothing overwrites what came before.
Traceable actions
Every action is attributed to a person and a moment.
Human verification
A determination is made by a named person and recorded as theirs.
Bilingual throughout: Spanish and English are both first-class, including the record.
Professional scope
What this service is, and what it is not
ALUD Premium Audit Control Tower helps organize evidence, reconcile records, identify inconsistencies, track workflow status and prepare information for professional review. The platform does not independently provide legal advice, insurance coverage determinations, carrier decisions, public accounting audit opinions or final premium determinations.
Founding Access
A small first group of firms, on the platform while it is still being shaped
Founding Access is $99 a month, held for the life of the subscription. No card is taken on this page, and there is no checkout behind it. A person reads every request.
Standard plans are not published yet. They will be, before the pilot opens to everyone.
What you get
- The platform: requirements, secure collection, reconciliation, preflight, packages and the record
- Ten concurrent audits, three members, fifty secure client links a month
- Both languages throughout
- A direct line to the people building it
What we ask
- Tell us when something does not fit how you actually work
- Tell us early, while changing it is still cheap
That is the whole exchange. No referral requirement, no case study obligation, and nothing you have to let us publish.
What Founding Access is not
It is a price, not a promise about outcomes. It does not mean your premium will be lower. It does not mean a carrier will accept anything. It does not mean ALUD will find an error in your audit — nobody knows that before the work is done.
Request access
Questions
What firms ask before they start
Does this tell me my audit is wrong?
No, and it will not pretend to. Nobody knows that before the work is done. What it does is make sure the evidence is complete, the comparisons were actually performed under a written rule, and the file you hand over is one you can defend.
Does artificial intelligence do the numbers?
No. The arithmetic is done by a plain, tested module, and every determination is made by a named person. A model may suggest what a document appears to be; that suggestion is labelled as a suggestion until somebody confirms it, and both the suggestion and the confirmation are recorded.
What happens when something cannot be compared?
It is reported as not measurable and it stays that way. It is never counted as a pass, never shown in the color of a pass, and never averaged into a readiness score that would hide it.
Does my client need an account?
No. A secure client link is scoped to one audit, expires, and can be revoked. Your client uploads what was asked for and sees nothing else.
Can a package change after it is sent?
No. Version one is fixed when it is created and carries an integrity record. If something changes, a new version is generated; the one that was sent stays exactly as it was sent.
Does ALUD submit to the carrier for me?
The platform prepares the package and records what happened to it. Who transmits it is your decision and your relationship. ALUD can prepare the file for you as a service; it does not stand between you and the carrier.
Is it available in Spanish?
Yes, completely. Spanish and English are both first-class, including the audit record itself — the same event reads correctly in either language.
What is Founding Access?
A small first group of firms on the platform while it is still being shaped, at $99 a month held for the life of the subscription. No card is taken and a person reads every request.
The next premium audit is already on its way
The question is whether the evidence for it will be collected, verified and reconciled before it arrives, or after.
ALUD Premium Audit Control Tower helps organize evidence, reconcile records, identify inconsistencies, track workflow status and prepare information for professional review. The platform does not independently provide legal advice, insurance coverage determinations, carrier decisions, public accounting audit opinions or final premium determinations.