Premium Audit Expert (Part-Time Product Consultant)

What You Will Do

• Mapped WC + GL premium audit workflow, from bind through final audit billing and dispute, with the highest-friction steps called out
• Prioritized top-10 requirements list (MVP vs v2) with clear acceptance criteria
• Recommended data inputs/outputs for class codes, payroll inclusion rules, subcontractor cost treatment, and certificate sufficiency checks
• Recommended pricing / packaging sanity check grounded in audit economics and buyer behavior (insured, broker, carrier/TPA)
• Identified 2–3 key risk areas (regulatory, dispute handling, data gaps) with mitigations

Who You Are

• 7+ years in commercial premium audit, ideally a mix of carrier-side and third-party audit firm experience
• Deep working knowledge of NCCI rules, state-specific WC variations, and GL audit basis (payroll, sales, sub costs, units)
• Strong opinions on what makes subcontractor cost exclusions stick versus get reclassified
• Comfortable reading product specs and giving structured, prioritized feedback
• Genuine curiosity about how software, AI, and data networks can change how this work gets done

Bonus: prior experience at PAAS, ISO, an insurtech, a major carrier audit group, or a national TPA

Bonus: existing relationships with broker risk management practices or carrier audit leadership

Not a fit if: Your experience is primarily personal lines, or you have not worked a commercial WC/GL audit end-to-end

Not a fit if: You are not comfortable translating domain rules into testable product requirements

Engagement Details:

• Start: as soon as we find the right person
• Initial commitment: 90 days, with intent to extend
• Time: flexible; 5–10 hours/week typical, with some weeks heavier during product sprints
• Mostly async, with a weekly working session and occasional customer calls
• 1099 contractor, signed consulting agreement, standard IP and confidentiality terms