Construction Premium Auditor

About the role

The Construction Premium Auditor plays a critical role in ensuring accurate and compliant premium audits for construction-related policies. This position serves as a technical resource in construction audits, applying knowledge of construction operations, workers’ compensation classifications, and state-specific rules to determine appropriate exposures and audit outcomes.

Responsibilities

• Serve as a subject matter expert in construction audits, providing technical guidance on classifications, subcontractor exposures, and state-specific workers’ compensation rules
• Audit exposure, premium, and loss characteristics to support the determination of the appropriate audit approach (physical/on-site, virtual, or hybrid), and conduct accurate construction policy audits through telephone, electronic, and required on-site methods in alignment with company standards
• Communicate effectively, providing prompt and professional service to agents and policyholders
• Review payroll records and journals, distribution journals, subcontractor agreements, tax documentation, and certificates of insurance in accordance with applicable state laws to establish appropriate exposures
• Validate correct classifications per NCCI Basic Manual and company filings
• Identify subcontractor relationships and assess potential employer-employee status under applicable laws
• Ensure adherence to state-specific workers’ compensation rules and company underwriting guidelines
• Manage inventory and timely completion of assigned audits
• Review audits from external vendors for accuracy and compliance
• Resolve audit disputes in a professional and timely manner
• Alert underwriting staff to significant findings and/or changes
• Update policies according to the results of audits
• Assist with other audit types or special audit projects as needed to support business and operational priorities
• Demonstrate a commitment to continuing education and development

Requirements

• Bachelor’s degree in a related field and two years of experience in the field or on-site auditing for construction accounts with an understanding of construction operations and workers’ compensation classifications
• Or four years of experience in the field or on-site auditing for construction accounts with an understanding of construction operations and workers’ compensation classifications

Preferred Qualifications

• Familiarity with NCCI rules and state-specific classification guidelines
• Professional designations such as APA (Associate in Premium Auditing) or CPCU
• Knowledge, Skills, And Abilities:
• Ability to interpret complex payroll and subcontractor documentation
• Ability to professionally interact with our customers
• Exceptionally strong customer handling, conflict resolution, and problem-solving skills; focus on the quality of customer experience
• Ability to exercise initiative and judgment while researching and solving customer inquiries
• A positive, professional, cooperative, and quality-conscious service attitude
• Ability to work under pressure, deal with interpersonal conflict, and handle assigned workload
• Analytical and problem-solving skills
• Effective verbal and written communication skills
• Ability to travel occasionally for on-site construction audits
• Understand Central Insurance’s policies and processes

Total Rewards

Total Rewards includes base pay based on several factors including labor market data and an evaluation of candidate qualifications relative to role requirements. Base pay is one component of a comprehensive total rewards package designed to support employees' financial, health, career, and retirement objectives. Central provides extensive health and wellness benefits to promote flexibility, work-life balance, and long-term financial security. For more information, see Central Insurance Benefits.

Work Authorization

This is not a position for which sponsorship will be provided. Individuals with temporary visas such as E, F-1(including those with OPT or CPT), H-1, H-2, L-1, B, J or TN, or who need sponsorship for work authorization now or in the future, are not eligible for hire.

Equal Opportunity Employer

It is the policy of Central that all recruiting, hiring, training, compensation, overtime, job classification and assignment, facilities, promotions, transfers, employee treatment and all other terms and conditions of employment shall be maintained in a manner which will not discriminate against any person because of race, color, age, sex, national origin, ancestry, religion, marital status, military status, or disability. The applicant should respond to questions on this application in a way that will not divulge such information.