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Kinsale Insurance

Premium Audit Specialist

Richmond, VA · On-site

$62K - $68K/yr

About the Role As a Premium Audit Specialist, you'll play a critical role in ensuring accuracy and integrity in our underwriting and operations processes. This position blends analytical thinking ...

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Insurance Premium Auditor

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$50K - $60K/yr

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As of Jul 15, 2026, the average yearly pay for premium audit in the United States is $55,419.00, according to ZipRecruiter salary data. Most workers in this role earn between $49,500.00 and $60,500.00 per year, depending on experience, location, and employer.

What are the key skills and qualifications needed to thrive as a Premium Auditor, and why are they important?

To excel as a Premium Auditor, you need strong analytical abilities, attention to detail, and a background in accounting or finance, often supported by a bachelor’s degree. Familiarity with auditing software, Microsoft Excel, and occasionally industry-specific tools such as ISO or NCCI databases is important. Excellent communication, organizational skills, and the ability to manage client relationships help auditors stand out. These competencies ensure accurate audits, regulatory compliance, and positive client experiences in the insurance industry.

What is a Premium Auditor?

A Premium Auditor is a professional who reviews and verifies the financial records of businesses to ensure that insurance premiums are accurately calculated based on actual risk exposures, such as payroll or sales figures. They typically work for insurance companies and conduct audits either onsite or remotely. The purpose of these audits is to confirm that the correct amount of insurance premium has been charged, and to identify any discrepancies or changes in a company's operations that affect coverage or costs. Premium auditors need strong analytical, accounting, and communication skills. Their work helps maintain fairness and accuracy in insurance billing for both the insurer and the insured.

What is the difference between Premium Audit vs Claims Adjuster?

AspectPremium AuditClaims Adjuster
CredentialsInsurance licensing, sometimes CPA or accounting backgroundInsurance licensing, relevant certifications like CPCU or ARM
Work EnvironmentOffice-based, client visits, remote optionsFieldwork, client sites, sometimes office
Industry UsageInsurance companies, third-party administratorsInsurance companies, claims departments

Premium Auditors review insurance policies to determine appropriate premiums based on client data, often conducting audits and verifying information. Claims Adjusters evaluate insurance claims to determine coverage and settlement amounts after a loss. While both roles operate within the insurance industry and require similar credentials, Premium Auditors focus on policy accuracy and premium calculation, whereas Claims Adjusters handle claims processing and settlement decisions.

What are some common challenges faced in a Premium Audit role and how can they be addressed?

Premium Auditors often face challenges such as collecting accurate financial data from clients, navigating complex business structures, and managing tight deadlines. Effective communication and organizational skills are essential for clarifying documentation requirements and resolving discrepancies. Building strong client relationships and staying up-to-date with industry regulations can also help auditors overcome these obstacles and ensure a smooth audit process.
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Infographic showing various Premium Audit job openings in the United States as of July 2026, with employment types broken down into 91% Full Time, 6% Part Time, 1% Temporary, and 2% Contract. Highlights an 85% Physical, 5% Hybrid, and 10% Remote job distribution, with an average salary of $55,419 per year, or $26.6 per hour.
Premium Audit Specialist

Premium Audit Specialist

Kinsale Insurance

Richmond, VA • On-site

$62K - $68K/yr

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Re-posted 17 days ago

Job description

About the Role

As a Premium Audit Specialist, you’ll play a critical role in ensuring accuracy and integrity in our underwriting and operations processes. This position blends analytical thinking, research, and decision-making in a fast-paced, collaborative environment. You’ll work closely with internal teams, brokers, and vendors while developing expertise and opportunities for growth within the audit department.

Insurance and audit experience is welcome but not required. We provide the tools, training and mentorship to help you succeed. What matters most is analytical thinking, attention to detail, problem solving, and professional judgement.

What You’ll Do

  • Analyze and review audit reports and financial documents (e.g., P&L statements, general ledgers, sales journals, OCIP certificates) to determine acceptance or escalation
  • Communicate with brokers and vendors to support timely completion of audits, inspections, and dispute resolution
  • Research and ensure accurate booking of audit premiums by preparing and processing audit endorsements in line with workflow guidelines
  • Prepare, issue, and track cancellation notices related to audits, inspections, and underwriting compliance requirements
  • Monitor vendor performance and response times, identifying capacity concerns and recommending improvements
  • Participate in vendor calls to address process updates, training opportunities, and operational challenges
  • Collaborate with internal teams, including IT, to support system enhancements and improve operational efficiency
  • Contribute to a culture of accuracy, accountability, and continuous improvement

What You Bring

  • Bachelor’s degree in Business or a related field (preferred)
  • Strong attention to detail with a high level of accuracy and integrity
  • Analytical mindset with the ability to evaluate information and make sound decisions
  • Effective verbal and written communication skills
  • Ability to manage multiple priorities in a fast-paced, team-oriented environment
  • Initiative and independence, balanced with strong collaboration skills
  • Proficiency in Microsoft Office (Excel, Word, Outlook)
  • Curiosity, work ethic, and a professional approach to building relationships

Why You’ll Love Working at Kinsale

  • Competitive Pay & Bonus Opportunities– Rewarding performance and initiative.
  • Comprehensive Benefits– Health, dental, and vision insurance with up to $3,600 (individual) or $6,800 (family) in HSA contributions per year.
  • Work-Life Balance– Generous paid time off including 22 days of PTO and 10 paid company holidays.
  • Career Growth– Clear promotion paths, mentorship, and ongoing professional development.
  • Retirement & Security– Up to 6% matching 401(k) contributions on base salary and bonus, standard life insurance, and disability coverage.
  • Continuous Learning– Annual $3,000 reimbursement for educational training and certifications.

Integrity & Responsibility

Kinsale values strong financial responsibility. A credit check will be conducted as part of the selection process for roles that require sound judgment, trustworthiness, or access to sensitive information.

Ready to Apply?

If you’re detail-oriented, motivated, and ready to build a career in a growing and dynamic industry, we want to hear from you. Join Kinsale Insurance and be part of a team that values collaboration, innovation, and career development.

Apply today and start building your future with us!

Salary Range: $62,000 - $68,000
This posted range is our best estimate; starting salaries may vary. Additionally, the posted range reflects only base salary and does not include annual bonuses, benefits, or reimbursements.  

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