Premium Auditor I - Pie Insurance

Pie's mission is to empower small businesses to thrive by making commercial insurance affordable and as easy as pie. We leverage technology to transform how small businesses buy and experience commercial insurance.

The Premium Auditor I is responsible for conducting standard premium audits for routine business structures across single and multiple entities using mail, phone, and virtual platforms. This role involves reviewing payroll records, tax returns, and financial documents to ensure accurate policy coverage and compliance with regulatory guidelines. The auditor applies classification codes using NCCI, PAAS, and state-specific requirements, thoroughly documents findings, and prepares detailed audit worksheets.

Key Responsibilities

Core Audit Execution

• Conduct standard premium audits via mail, phone, and virtual platforms across routine industries and business types.
• Review and verify payroll records, tax returns, 1099s, and supporting financial documentation with meticulous attention to detail.
• Analyze business operations to identify all relevant exposures and ensure proper policy coverage.
• Identify and apply appropriate classification codes using NCCI guidelines, PAAS, and state-specific bureau requirements.
• Document audit findings thoroughly and prepare detailed audit worksheets.
• Ensure all audit work complies with established business rules and regulatory guidelines.

Insured Relationship Management & Communication

• Communicate professionally with policyholders via phone, email, and virtual meetings to gather required documentation.
• Conduct thorough interviews to understand business operations, employee roles, and exposure classifications.
• Explain audit processes clearly to insureds and address questions about documentation requirements.
• Build positive relationships while maintaining professional boundaries throughout the audit process.
• Handle initial concerns and questions about audit procedures (excluding billing-related issues).
• Coordinate schedules and follow up appropriately to ensure timely audit completion.

Virtual & Technology-Enhanced Capabilities

• Conduct virtual audits using screen-sharing and remote access technologies.
• Guide insureds through document sharing and virtual collaboration platforms.
• Utilize emerging audit technologies and software to enhance efficiency and accuracy.
• Adapt audit methodologies based on insured capabilities and preferences.
• Maintain security protocols for remote document review and virtual meetings.

Data Analysis & Quality Assurance

• Analyze standard payroll structures, contractor relationships, and employee classifications.
• Research and apply appropriate workers' compensation classification codes across multiple states.
• Identify potential misclassifications and exposure gaps that could impact coverage.
• Review business operations for changes since policy inception affecting classifications.
• Ensure all audit documentation meets regulatory standards, company policies, and confidentiality requirements.
• Complete audits within established timeframes while maintaining high quality.

Qualifications & Requirements

• Minimum 1–2 years of experience conducting Workers' Compensation premium audits.
• Working knowledge of NCCI classification systems and state bureau requirements.
• Experience working directly with business owners and financial personnel.
• Multi-state audit experience is preferred.

Technical Competencies

• Strong understanding of payroll systems, tax documentation, and business financial records.
• Working proficiency with classification systems (NCCI, PAAS) and state-specific regulatory requirements.
• Experience with virtual meeting platforms and screen-sharing technologies.
• Foundational skills with audit software, Google Workspace, and emerging technologies.
• Ability to analyze standard business operations and contractor vs. employee classifications.

Core Competencies

• Analytical Thinking: Ability to understand standard business operations and identify all relevant exposures.
• Attention to Detail: Meticulous review of financial records and accurate identification of discrepancies.
• Customer Focus: Commitment to building positive relationships while maintaining audit integrity.
• Adaptability: Flexibility to work with evolving technologies and audit methodologies.
• Sense of Urgency: Manage multiple audits efficiently while maintaining quality standards.

Compensation & Benefits

• Base Salary Range: $55,000 — $70,000 USD
• Discretionary annual bonus potential based on company performance
• Comprehensive health plans
• Generous PTO
• 401(k) plan with company match
• Generous parental and caregiver leave