Conduct advanced GL audit reviews for both internal and vendor audits, ensuring consistent quality, accuracy, and compliance across all sources.
Validate exposure calculations including sales, payroll (as applicable), subcontractor costs, and construction-related labor, materials, and contract values.
Apply specialized expertise in construction risks (carpentry, remodeling, GC operations, subcontractor structures) and large grocery/retail risks with complex or multi-department operations.
Confirm accurate classification for multi-class businesses, including retail + installation, service + sales, mixed operations, and diverse construction activities.
Ensure supporting documentation (COIs, subcontractor lists, sales ledgers, job summaries, financials) fully reconciles with final exposures.
Review Descriptions of Operations (DOOs) for clarity, completeness, and alignment with exposure and classification determinations—especially for variable risks such as construction and large retail chains.
Identify misclassifications, documentation gaps, unsupported exposure adjustments, and systemic issues; provide clear, actionable corrective guidance.
Create and document risk reviews to highlight key operational changes identified during audit, raising potential policy updates or classification revisions to Underwriting as needed.
Serve as a subject-matter expert (SME) in ISO/GL class codes, construction-related exposures, subcontractor handling, and large multi-department grocery/retail classifications.
Requirements
Bachelor’s Degree in Business, Accounting, Insurance, or related field preferred (or equivalent experience).
4–5 years of premium auditing or quality assurance, with a focus on General Liability audits or classification-focused review.
Advanced understanding of ISO/GL classification rules, subcontractor requirements, and specific GL guidelines.
Preferred: Specific experience with construction, contractor operations, or large grocery/retail risks.
Preferred: PAAS TAP, APA, or similar designations.
Preferred: Additional certifications in GL classification or construction-related auditing are a plus