Associate Premium Auditor

The-Beacon-Mutual-Insurance-Company; Warwick (RI); Hybrid; USD 55,000 - 78,000; Full time

Benefits offered by this job

Competitive base salary

Comprehensive health plans

Generous vacation & telecommuting

401(k) and retirement programs

Learning & development opportunities

Job summary

Beacon Mutual Insurance Company in Rhode Island is seeking an Associate Premium Auditor to verify payroll records, operations, and exposures to determine earned premium for policy periods. You’ll work under supervision, support ratemaking, and assist customers, agents, and underwriters with audit requirements and class codes.

You will complete customer audits, review classifications, and document analyses while maintaining strong attention to detail and compliance with Premium Audit standards.

Qualifications

• HS Diploma required; Associate degree or equivalent preferred.
• Basic analytical and numerical skills with strong attention to detail.
• Ability to learn auditing principles and workers’ compensation classifications.
• Customer-focused, collaborative mindset and openness to change.
• Transferable experience in customer service, payroll, accounting, insurance, or admin roles.
• Working knowledge of Microsoft Excel and ability to learn multiple databases.

Responsibilities

• Complete customer audits across a broad range of customers and industries, accurately classifying businesses and employees for workers’ compensation in line with Premium Audit standards and regulations.
• Research and prepare using resources like customer websites, coverage information, NCCI, Secretary of State, and DLT websites.
• Review classifications, verify class codes, and communicate potential changes to underwriters.
• Document audit analysis and decisions to support compliance with Premium Audit policies and DBR filings.
• Deliver customer-centric service: explain the audit process, respond to inquiries, and build relationships with customers, agents, and underwriters.
• Support the Premium Audit team: process voided and reassigned audits, upload payroll reports, assist with reconciliations, and generate monthly invoices via Adobe Sign.
• Grow and contribute through special projects and departmental initiatives.

Skills

Analytical skills

Attention to detail

Customer service

Communication

Excel

Education

HS Diploma

Associate degree preferred

Tools

Excel

Payroll systems

Job description

As an Associate Premium Auditor, you’ll play a key role in making sure every policy reflects the true exposure of the business it covers. Working under supervision and within established procedures, you’ll examine and verify payroll records, operations, and insurance exposures for low- to moderate-complexity accounts to determine the actual earned premium for each policy period. The data you validate supports ratemaking and workers’ compensation classification review, so your work truly matters. You’ll also be a trusted resource for customers, agents, and underwriters, answering routine questions about audit requirements and class codes.

What You’ll Do

• Complete customer audits: Conduct audits across a broad range of customers and industries, accurately classifying businesses and employees for workers’ compensation in line with Premium Audit standards and insurance regulations.
• Research and prepare: Use resources such as customer websites, coverage information, NCCI, Secretary of State, and DLT websites to get ready for each audit.
• Review classifications: Verify class codes, officer coverage, and claim classifications, and communicate potential class code changes to underwriters.
• Document your work: Keep clear records of audit analysis and decisions to support compliance with Premium Audit policies, DBR filings, and Quality Assurance standards.
• Deliver customer-centric service: Explain the audit process to customers, respond promptly to inquiries, and build positive relationships with customers, agents, and underwriters.
• Support the Premium Audit team: Process voided and reassigned audits, upload PYG payroll reports, assist with PYG reconciliations, participate in the audit phone hunt group, and generate monthly invoices via Adobe Sign.
• Grow and contribute: Take part in special projects, NCCI inspection reviews, and departmental initiatives as you build your expertise.

Required Qualifications

• HS Diploma required. Associate degree or an equivalent combination of education, training, and relevant experience preferred required.
• Basic analytical and numerical skills with strong attention to detail.
• Ability to learn auditing principles and workers’ compensation classifications.
• A customer-focused, collaborative mindset and openness to change and new initiatives.
• Transferable experience in customer service, payroll, accounting, insurance, or administrative roles.
• Working knowledge of Microsoft Excel and the ability to learn multiple databases and systems.
• Effective verbal and written communication and interpersonal skills.
• Strong organization and time-management skills, with the ability to manage assigned work with regular guidance and feedback.

Preferred Qualifications

• Previous premium audit or workers’ compensation experience (helpful but not required).
• Familiarity with the NCCI Basic Manual and workers’ compensation classification concepts.

Why Work Here:

• Beacon is proud to be a first-place award winner of the 2023, 2024, 2025 and 2026 Best Places to Work in RI.
• Beacon offers:
• Competitive base salary with a broad range of compensation initiatives
• Comprehensive health plans, life insurance, and wellness programs
• Generous vacation time, plus telecommuting and flexible schedule arrangements
• Retirement savings plan and 401(k) educational programs
• Learning and development opportunities
• A friendly, inclusive, and supportive culture focused on teamwork and knowledge sharing
• A strong commitment to employee health, wellness, and work-life balance

Equal Opportunity Employer
This employer is required to notify all applicants of their rights pursuant to federal employment laws.For further information, please review the Know Your Rights notice from the Department of Labor.