Premium Auditor

WHO WE ARE:

Harford Mutual Insurance Group is a growing, dynamic mutual insurance carrier providing commercial property and casualty insurance products and services to a regional market. Headquartered in Harford County, Maryland, Harford Mutual offers a positive, diverse, and inclusive work environment with a rich company culture. Founded in 1842 on the principles of mutuality, we believe in insuring opportunity through mutual success® for our policyholders, agents, communities, and employees, and invite our employees to continue that tradition with respect, integrity, exemplary service, and personal responsibility.

Listed within this posting is the anticipated salary range for this position, plus variable incentive compensation. The final salary offered to a successful candidate may vary and will be dependent on several factors that include, but are not limited to, your business experience, education, and individual capacity. Harford Mutual is a multi-state employer, and this salary range may not reflect positions that work in other states.

THE OPPORTUNITY:

This position conducts on site and virtual audits of commercial accounts to determine the appropriate classifications and exposures to be used as the basis of premium and to determine final exposures.  In addition, assembles facts and data having a bearing in the determination of actual earned premiums for specific classes of casualty insurance including workers' compensation and general liability.  This position requires residency in Maryland or surrounding areas and will complete physical audits in Maryland as well as virtual audits in all other states as needed.

LOCATION:

Remote/Hybrid (Bel Air, MD Office)

WHAT YOU’LL DO:

• Conduct timely and accurate premium audits on commercial accounts to validate the accuracy of classifications and premium bases within a defined geographical area. 
• Schedule audit appointments requiring advanced contact with insureds, and or agents.  Travel must be scheduled within the assigned area to allow for completion of a maximum number of audits.
• This position will require the ability to be on the road conducting physical on-site audits for approximately 50% of the time.
• Complete audits based on industry standard rules and interpretation for that jurisdiction.
• Conduct a physical inspection of insured’s books to obtain the audit exposures.
• May conduct a brief tour of the insured premises to verify hazards and to document any changes in the insured’s operation.
• Send notifications to Underwriters of any unusual conditions that may affect the premiums.
• Develop relationships with customers, agents, underwriters, and other internal business partners to communicate and support the audit results.
• Perform other duties or special projects as required or as assigned by a supervisor.

WHAT YOU’LL BRING:

• Bachelor’s degree; preferably in Accounting, Finance, or Insurance.
• Minimum of two years’ Premium Audit or related experience preferred.
• Valid driver's license and a good driving record
• Solid analytical and organizational skills
• Comfortable in a fast-paced environment with frequent deadlines; high energy, self-motivated and proactive.

BENEFITS:

PHYSICAL DEMANDS & WORK ENVIRONMENTAL FACTORS:

The physical demands described above are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions.

EEO STATEMENT:

Harford Mutual Insurance Group provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws. This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation and training.

Most new hires fall within this range and have the opportunity to earn more over time. Initial placement within the salary range, however, is based on an individual's relevant knowledge, skills and experience for the position.

Base salary is only one component of our competitive Total Rewards package. To learn more, please visit the Perks & Benefits on our website.