Premium Field Auditor


As a member of the Premium Audit Team, this person will be responsible for conducting on-site visits at policyholder and/or related accountant’s locations to both validate operational exposure and examine financial information necessary to accurately calculate final earned premium for policyholder billing purposes in compliance with state rules, statutes, and rating bureau requirements. This role plays an integral part in the overall underwriting results of the company, requiring exceptional customer service, relationship development with policyholders and agents, and company promotion.  You will audit small to moderate size risks for a heterogeneous group of industries with a primary focus on construction related risks for Workers’ Compensation. Substantial independent action and judgement is required.


  • Meet with policyholders at their place of business to accurately audit exposures for Worker’s Compensation policies.
  • Perform on-site inspections, investigations, and reviews for any aspect of the business necessary to verify premium and rate related information.
  • Review required policyholder financial records, including, but not limited to, federal and state quarterly tax returns, payroll records, financial statements, general ledger, and profit & loss statements.
  • Obtains a thorough description of insured’s business operations to assist underwriter in risk assessment.
  • Apply knowledge to determine correct exposures and classifications for use in audit process using external resources such as the National Council on Compensation Insurance (NCCI), International Standards Organization (ISO) and other audit-related publications as well as any available internal documents such as underwriting notes and/or Loss Control reports, if warranted.
  • Performs some mail or telephone audits, as needed.
  • Prepares detailed audit reports and submits to company audit department for documentation, processing, and billing.
  • Completes audit summaries by entering payroll records, quarterly statements, receipts, etc.
  • Assists audit review department and/or resolves any audit dispute through review and research, providing any correction worksheets needed for adjusting a policyholder’s bill.
  • Communicate any potential concerns discovered with insurance fraud department, collaborating when necessary.
  • Schedule future audits within required timelines and designated travel routes.
  • Other duties as assigned.


  • Bachelor’s degree in accounting, finance, insurance or related business field or equivalent relevant experience.
  • Minimum of five years of premium audit experience, preferred.
  • Strong math and accounting aptitude with keen attention to detail.
  • Experience to analyze, research and resolve audit issues.
  • Proven ability to work independently and with others under minimal supervision. 
  • Ability to manage multiple tasks while meeting deadlines.
  • Possess strong interpersonal and communication skills.
  • Travel as required.


The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this position. Reasonable accommodations may be made to enable individuals with disabilities to perform the functions. While performing the duties of this position, the employee is regularly required to talk or hear. The employee frequently is required to use hands or finger, handle, or feel objects, tools or controls. The employee is occasionally required to stand; walk; sit; reach with hands and arms. The employee must occasionally lift and/or move up to 15 pounds. Specific vision abilities required by this position include close vision, distance vision, peripheral vision, and the ability to adjust focus. The noise level in the work environment is usually moderate. 

FCBI is an equal opportunity employer. All applicants will be considered for employment regardless of color, race, religion, disability, sex, sexual orientation, gender identity, age, national origin, veteran status or any other characteristic protected by Federal, State and/or local law.

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Max. file size: 50 MB.
Max. file size: 50 MB.