Premium Auditor/Sr. Premium Auditor - Remote

Selective Insurance; Alabama; Hybrid; USD 63,000 - 108,000; Full time

Benefits offered by this job

Health benefits

Retirement savings plan with company 


Employee Stock Purchase Program

Tuition assistance and reimbursement

20 days of paid time off

Job summary

Selective Insurance seeks a Premium Auditor to perform in-person and virtual audits of Property/Casualty Commercial Line policies. You will determine premium bases, classifications, and exposures while traveling within your territory.

The role requires collaboration with underwriting and potential leadership in audit projects. The ideal candidate has 3+ years as a physical Premium Auditor, with APA 91/92 desired, and the ability to travel as needed.

Qualifications

• 3+ years of experience as a physical Premium Auditor.
• Associate in Premium Auditing 91 (APA 91) and 92 (APA 92) is desired.
• Ability to travel to insureds’ offices within territory; overnight travel may be required.

Responsibilities

• Audit Commercial Lines policies physically or virtually to determine premium bases and classifications.
• Schedule territory audits and manage inventory; travel 70-80% of time.
• Notify underwriting of changes in exposures, operations, or classifications after audits.
• Resolve audit disputes and prepare amended audits for submission and billing.
• Serve as a resource and mentor for Premium Auditors under Supervisor guidance.

Skills

Communication

Excel

Independent work

Travel readiness

Valid driver’s license

Education

College degree in Insurance, Accounting, Finance

APA 91/APA 92 certification desired

Tools

Premium audit systems

Job description

About Us

At Selective, we don't just insure uniquely, we employ uniqueness.

Selective is a midsized U.S. domestic property and casualty insurance company with a history of strong, consistent financial performance for nearly 100 years. Selective's unique position as both a leading insurance group and an employer of choice is recognized in a wide variety of awards and honors, including listing in Forbes Best Midsize Employers in 2025 and certification as a Great Place to Work® in 2025 for the sixth consecutive year.

Employees are empowered and encouraged to Be Uniquely You by being their true, unique selves and contributing their diverse talents, experiences, and perspectives to our shared success. Together, we are a high-performing team working to serve our customers responsibly by helping to mitigate loss, keep them safe, and restore their lives and businesses after an insured loss occurs.

Overview

Under limited supervision and working remotely, this position is responsible for performing audits (in-person and virtually) on Property / Casualty Commercial Line policies in accordance with company, industry and government rules and regulations to ensure accurate earned premiums, appropriate classifications and exposures. Will perform audits ranging from small accounts to larger complex audits. All job duties must be carried out in compliance with applicable legal and regulatory requirements.

Responsibilities

• Manage, schedule and conduct physical / virtual audits for selected Commercial Lines policies based on auditable exposures. Audit consists of reviewing the insured’s business operations, examining and recording data from financial / business records. Evaluate all subcontractor operations and detail exposures according to manual rules. Verify claims data. Determine and/or develop premium basis and classification. All in accordance with company, industry and government rules and regulations.
• Manage and schedule territory and inventory to optimize efficiencies, auditor expectations and meet internal and external customer needs. Responsible for automobile travel within territory traveling to insureds. Car travel represents approximately 70-80% of employee’s time.
• Upon audit completion, provide notification to underwriting team of any changes in exposures, business operations, products/services, additional or deleted classifications, locations, entities, new construction, etc.
• Respond to and resolve audit disputes and make appropriate changes to revise audits as needed. Compile pertinent facts related to disputes, documents and communicates the results of the analysis, and prepares amended audits and submit for billing. Resolve test audit disputes for non-National Council on Compensation Insurance (NCCI) states.
• Maintain a positive customer relationship and develop relationships with internal and external customers to provide ongoing technical expertise.
• Utilize automated premium audit work management system, commercial lines automated system and other tools to complete assignments in accordance with established goals.
• Develop, apply, and maintain working knowledge of company premium audit technical policies and procedures and demonstrate an understanding of the property/casualty insurance business.
• Assist or may lead in Premium Audit projects. Prepare and present basic level technical presentations and participate in premium audit training programs to internal and external customers on a variety of Premium Audit topics and issues.
• Serve as a resource, trainer and mentor for Premium Auditors at the direction of the Premium Audit Supervisors.

Qualifications

Knowledge and Requirements

• Remain informed with all insurance manuals, premium audit manuals, handbooks, guides and related materials.
• Ability to effectively communicate and work independently without direct supervision.
• Demonstrate a proficiency in usage of computer tools including: Microsoft Excel, Internet research applications, etc.
• Able to climb stairs and consistently carry 20 pounds.
• Must be able to travel to insureds’ offices on a daily basis within the assigned territory, or outside of the assigned territory depending on inventory levels, which may require overnight travel.
• Must have valid state-issued driver’s license in good standing.

Education And Experience

• College degree in Insurance, Accounting, Finance or related field is preferred.
• 3+ years’ experience as a physical Premium Auditor
• Successful completion of Associate in Premium Auditing 91 (APA 91) and Associate in Premium Auditing 92 (APA 92) is desired.

Total Rewards

Selective Insurance offers a total rewards package that includes a competitive base salary, incentive plan eligibility at all levels, and a wide array of benefits designed to help you and your family stay healthy, achieve your financial goals, and balance the demands of your work and personal life.

• comprehensive health care plans
• retirement savings plan with company match
• discounted Employee Stock Purchase Program
• tuition assistance and reimbursement programs
• 20 days of paid time off

Additional details about our total rewards package can be found by visiting our benefits page.

The actual base salary is based on geographic location, and the range is representative of salaries for this role throughout Selective's footprint. Additional considerations include relevant education, qualifications, experience, skills, performance, and business needs.

Pay Range

USD $63,000.00 - USD $108,000.00 /Yr.

Additional Information

Selective is an Equal Employment Opportunity employer. That means we respect and value every individual’s unique opinions, beliefs, abilities, and perspectives. We are committed to promoting a welcoming culture that celebrates diverse talent, individual identity, different points of view and experiences – and empowers employees to contribute new ideas that support our continued and growing success. Building a highly engaged team is one of our core strategic imperatives, which we believe is enhanced by diversity, equity, and inclusion. We expect and encourage all employees and all of our business partners to embrace, practice, and monitor the attitudes, values, and goals of acceptance; address biases; and foster diversity of viewpoints and opinions.

For Massachusetts Applicants

It is unlawful in Massachusetts to require or administer a lie detector test as a condition of employment or continued employment. An employer who violates this law shall be subject to criminal penalties and civil liability.