Premium Auditor (Field) - Freehold, NJ

Job Description

Job Description

Premium Auditor (Field) – Freehold, NJ

Billable Hourly Compensation: $30–$45 Per Billable Hour

RLD Associates, Inc.

Join a Leader in the Insurance Audit Industry

RLD Associates, Inc. is seeking a motivated and detail-oriented Premium Auditor to join our growing team. This is a full-time remote position responsible for servicing the Freehold, NJ territory. As a Premium Auditor, your primary focus will be conducting physical field audits at insured locations throughout your assigned territory , allowing you to work directly with business owners and observe operations firsthand.

In addition to field assignments, auditors have opportunities to supplement their workload with hybrid audits , which are completed entirely from a home office using phone interviews, email correspondence, and electronic document review. This combination provides a strong balance of independence, variety, and earning potential while ensuring consistent workflow throughout the year.

What You'll Do

Commercial insurance premiums for workers compensation and general liability are considered variable premium policies as they are based on an estimate of payrolls, sales, and other costs. As a Premium Auditor, you will verify actual exposures at the end of a policy period by reviewing financial records, conducting client interviews, and performing either on-site or remote audits.

Your work will consist primarily of:

• Physical Audits (Primary Responsibility) – Conducted at client business locations where records are reviewed in person and operations are observed firsthand.
• Hybrid Audits (Supplemental Opportunities) – Completed entirely from your home office using phone interviews, virtual meetings, and electronic records provided by the insured.

This position is ideal for professionals who enjoy working independently, building relationships with business owners, and spending time in the field while maintaining the flexibility to complete additional audits remotely.

Key Responsibilities

• Review assigned audit requests, including Workers' Compensation and General Liability policies
• Manage and prioritize a territory-based audit inventory
• Contact insureds to schedule audit appointments and maintain professional communication throughout the audit process
• Conduct on-site and virtual audits of business operations and financial records
• Examine payroll records, tax filings, general ledgers, cash disbursements, and other accounting documents
• Research and apply insurance classification and rating rules in accordance with carrier guidelines and industry standards
• Interview business owners and key personnel to obtain accurate exposure information
• Prepare detailed, professional audit reports utilizing Microsoft Excel and proprietary systems
• Deliver exceptional customer service while representing both RLD Associates and our carrier clients

Territory & Travel

This position is responsible for the Freehold, NJ territory.

• Primary workload consists of physical field audits throughout the assigned territory
• Opportunities are available to supplement your workload with hybrid audits completed entirely from your home office
• Physical audits require regular travel throughout your assigned territory, which may include up to a 60-mile radius surrounding Freehold, NJ
• Travel is typically 3–4 days per week, depending on field audit assignments
• Home-based remote position offering significant scheduling flexibility
• Manage your own calendar and appointments to support both your professional responsibilities and personal commitments

What We're Looking For

Required Qualifications

• Associate degree in Accounting, Business, Finance, or a related field, or equivalent professional experience
• Experience in bookkeeping, payroll processing, accounting, auditing, or commercial insurance
• Strong analytical and organizational skills
• Excellent verbal and written communication abilities
• Ability to work independently and manage a flexible schedule
• Self-motivated, dependable, and highly professional
• Proficiency with Microsoft Excel, Outlook, Teams, and other business software
• Reliable transportation and ability to travel throughout the assigned territory

Preferred Qualifications

• Previous experience conducting insurance premium audits
• Experience analyzing payroll and accounting records
• Knowledge of insurance classifications and manual rules

Compensation & Earning Potential

At RLD Associates, Premium Auditors are compensated based on billable audit hours , providing a direct connection between productivity and earnings.

Pay Structure

• $30 to $45 per billable hour (this represents a range of rates dependent on audit type and prior experience)
• Annual earnings for this position are estimated to be between $45-$60k
• Physical and hybrid audits are compensated at different billable rates
• Control your schedule and earnings: With audits outside of your physical territory, you have the flexibility to increase or decrease your workload throughout the year to meet your income goals or maintain your desired work/life balance.

Why Join RLD Associates?

At RLD Associates, our employees are our greatest asset. We invest in your success through comprehensive training, ongoing support, and opportunities for professional growth.

What We Offer

✅ Paid Training Through RLD University

✅ Work/Life Balance with a flexible Schedule and Remote Work Environment

✅ Mentorship and Ongoing Support from an Experienced Management Team

✅ Health Insurance

✅ Dental Insurance

✅ Vision Insurance

✅ Life Insurance

✅ 401(k) Retirement Plan

✅ Paid Time Off

Why People Stay in This Job

• Real schedule freedom. Insured contact (visits and calls) happens during business hours — but you decide when. Everything else — the analysis, the worksheets, the report writing — happens whenever you want: early mornings, evenings, weekends. Around your kids, your classes, your life.

• No micromanagement. Each audit comes with a due date. Hit your due dates and the how, when, and where are entirely up to you. No daily check-ins, no activity tracking, no one looking over your shoulder.

• Variety without chaos. Every audit is a different business — a roofing contractor one day, a restaurant group the next. The work stays interesting, but the process is consistent and learnable.

• A genuine career path. Premium audit experience is scarce and in demand. The skills you build here — financial analysis, classification, client communication — are valued across the insurance industry.

About RLD Associates, Inc.

For more than 30 years, RLD Associates, Inc. has been a trusted provider of premium audit, forensic accounting, and litigation support services to the insurance industry. We serve commercial insurance carriers throughout the United States by delivering accurate, professional, and timely audit services.

Our reputation for excellence is built on the expertise and dedication of our audit professionals. Through industry-leading training, strong operational support, and a collaborative culture, we provide our team members with the tools they need to succeed.

Learn more about RLD Associates at RLD Associates Website .

Equal Opportunity Employer

RLD Associates, Inc. is an Equal Opportunity Employer. We are committed to creating a diverse and inclusive workplace and welcome applicants from all backgrounds.

RLD Associates, Inc. is a leading service company to the insurance industry. We supply quality premium audit, forensic accounting & litigation support services to commercial insurance carriers. Our representatives complete audits by phone across the nation and go into the field throughout the eastern United States. We work hard to satisfy the premium audit needs of insurance carriers. We recognize that a professional staff is the key component of our success.

Company Description

RLD Associates, Inc. is a leading service company to the insurance industry. We supply quality premium audit, forensic accounting & litigation support services to commercial insurance carriers. Our representatives complete audits by phone across the nation and go into the field throughout the eastern United States. We work hard to satisfy the premium audit needs of insurance carriers. We recognize that a professional staff is the key component of our success.\r\n\r\nRLD Associates, Inc. is an equal opportunity employer.\r\n\r\n