Premium Auditor (Field & Hybrid) - PT 1099

Job Description

Job Description

Premium Auditor (Field & Hybrid) – Hot Springs, AR

Independent Contractor (1099)

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 as an Independent Contractor (1099). This remote opportunity is responsible for servicing the Hot Springs, AR territory.

As a Premium Auditor, you 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 completed entirely from a home office using phone interviews, email correspondence, and electronic document review. This combination provides flexibility, variety, and the opportunity to increase earnings based on the amount of work you choose to complete.

What You'll Do

Commercial insurance premiums for Workers' Compensation and General Liability policies are often based on estimated payroll, sales, and other exposures. 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

Conducted at client business locations where records are reviewed in person and operations are observed firsthand.

Hybrid Audits

Completed entirely from your home office using phone interviews, virtual meetings, and electronic records provided by the insured.

This opportunity 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 and professional audit reports utilizing Microsoft Excel and proprietary systems
• Deliver exceptional customer service while representing RLD Associates and our carrier clients

Territory & Travel

This position is responsible for the Hot Springs, AR territory

• 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 travel throughout the assigned territory, which may include locations within approximately a 60-mile radius of Hot Springs, AR
• Workload and travel volume will vary based on assignment availability and the amount of work you elect to accept
• Home-based remote opportunity offering significant scheduling flexibility
• Manage your own calendar and appointments to support both your professional and personal goals

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

RLD Associates compensates Independent Contractors based on billable audit hours, creating a direct connection between productivity and earnings.

Pay Structure

• $30 to $45 per billable hour (rate dependent on audit type and experience)
• Physical and hybrid audits are compensated at different billable rates
• Earnings are production-based and vary depending on the amount of work accepted and completed
• Independent contractors who choose to supplement field assignments with hybrid audits can significantly increase their annual earnings potential
• Enjoy the flexibility to increase or decrease your workload throughout the year to align with your income goals and desired work-life balance

Why Contract with RLD Associates?

What We Provide

✅ Paid Training Through RLD University

✅ Flexible Schedule and Remote Work Opportunities

✅ Hybrid Audit Opportunities Completed Entirely From Home

✅ Mentorship and Ongoing Support from an Experienced Management Team

✅ Ability to Control Your Workload and Earnings Potential

Why People Enjoy This Opportunity

Real Schedule Freedom

Insured contact (visits and calls) generally occurs during business hours — but you determine when and how you complete the remainder of your work. Analysis, worksheets, and report preparation can often be completed when it best fits your schedule.

No Micromanagement

Each audit includes a due date. Meet your deadlines and maintain quality standards, and you'll enjoy substantial independence in managing your workload.

Variety Without Chaos

Every audit presents a different business operation, from contractors and manufacturers to restaurants and retailers. The work remains interesting while following a consistent audit process.

Valuable Industry Experience

Premium audit expertise is highly specialized and in demand. The financial analysis, classification, and client communication skills developed through this work are valuable throughout 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 auditors with the tools needed for success.

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