Contractors, seasonal businesses, and growing teams—here’s why June is the perfect time to reassess your coverage.
When summer hits, many Colorado businesses shift into high gear. For contractors, landscapers, HVAC professionals, and other seasonal industries, that often means expanding crews, increasing payroll, and juggling bigger workloads.
But one thing that shouldn’t fall through the cracks? Your workers’ compensation insurance.
At The Mitchell Insurance Group, we help businesses ensure their coverage reflects current staffing levels before costly audit surprises catch up.
Why a Mid-Year Workers’ Comp Review Matters
Workers’ compensation premiums are based on projected annual payroll. If your business grows or changes throughout the year, that original estimate can become outdated quickly.
A mid-year check gives you the opportunity to:
• Avoid large audit bills by staying ahead of payroll changes.
• Verify employee classifications, which can directly affect premiums.
• Make sure seasonal or temporary staff are properly covered.
• Adjust coverage proactively instead of retroactively.
Commercial Insurance Audits: Be Ready
If you’ve ever been through an audit, you know how time-consuming and confusing the process can be, especially if you weren’t prepared.
That’s why we created our downloadable Commercial Audit Guide. It outlines what to expect, what to gather, and how to prepare, whether you’re heading into an audit or simply want to stay organized throughout the year.
Download our guide here to help you get ahead.
We’re also available to walk through it with you, step by step.
Key Signs It’s Time to Reevaluate
• Your team size has grown this season.
• You’ve taken on larger jobs or contracts.
• You’re using a mix of 1099 contractors and W-2 employees.
• Your payroll structure or job roles have shifted.
• You received an audit notice or premium adjustment letter.
If any of the above apply, let’s talk. A quick review now can prevent stress and added costs later.
We’re Here to Help—Beyond the Policy
When you work with The Mitchell Insurance Group, you’re not just buying coverage. You’re gaining a team that proactively reviews, supports, and advocates for you.
We handle the hard parts—like mid-policy adjustments, classification questions, and audit disputes—so you can focus on running your business.
Next Step: Let’s Review Your Coverage
If June is your busy season, now is the time to check that your coverage is keeping up. We’ll help make sure your policy supports your growth and your team today and at renewal.
Call us at 720-807-9212
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