Premium Audit Expert (Part-Time Product Consultant)

Product

We are revolutionizing risk management by automating and simplifying the certificate of insurance (COI) process. Our innovative platform ensures compliance, mitigates risk, and enhances operational efficiency.

Location

Tampa, FL
Remote (United States)

Initial Commitment

90 days, with intent to extend

Time

Flexible; 5–10 hours/week typical, with some weeks heavier during product sprints

Work Style

Mostly async, with a weekly working session and occasional customer calls

Compensation

1099 contractor, signed consulting agreement, standard IP and confidentiality terms

Requirements

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

Skills

• 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
• Existing relationships with broker risk management practices or carrier audit leadership