"Remote auditing" covers a lot of ground, from IT compliance to financial statement work. In insurance premium audit it means something specific: verifying a business's payroll, sales, and job classifications for its insurance carrier without visiting the business. It is a steady line of work for experienced auditors who would rather spend their day on files than on the road.
The Three Kinds of Remote Premium Audit
A mail audit starts with the policyholder self-reporting exposures and attaching backup documentation. The auditor reviews the submission, finalizes the report, and contacts the insured only if questions come up.
A phone audit uses the same records, but the auditor calls the insured on every file to verify operations, job duties, and anything that needs clarifying.
A virtual audit is a full audit without the site visit. The auditor completes a full records review, documents operations and job duties in detail, and conducts a live audit interview with the insured. It is the remote audit type closest to a physical audit in scope.
Physical audits, done on site at the business, remain the right choice for some risks, and ISG does both. The skill in either case is the same: reading records, applying classification rules, and asking the question that makes the numbers make sense.
Where Remote Audits Stall
The hard part of a remote audit is rarely the audit. It is getting the records. A file that sits waiting on a payroll report or a missing certificate of insurance eats more of an auditor's week than the review itself.
That is why ISG handles that work before a file reaches an auditor. On every non-physical audit, a dedicated ISG contact team sends the audit notification, follows up, and gathers the materials. The auditor starts with a complete package and spends their time auditing.
Who Does Well Working Remotely
Remote auditing rewards people who manage their own time well, because nobody is walking past your desk. It helps to be at ease explaining findings by phone or video, since you will not be sitting across from the business owner. And you need to be comfortable doing all of your work in a secure environment. At ISG, auditors work in locked-down, monitored cloud environments and never download policyholder records to personal devices.
Remote Premium Auditor Roles at ISG
ISG conducts premium audits for insurance carriers, and our auditors average 15 years of experience across more than 400,000 completed audits. We hire remote premium auditors with at least three years of experience auditing workers' compensation and general liability policies, along with a working knowledge of NCCI and ISO rules.
Current openings include virtual auditor and telephone and mail auditor roles. See ISG's virtual auditor jobs or browse all open premium auditor roles.
Frequently Asked Questions About Remote Auditing
What is remote auditing in insurance?
It is a premium audit completed without an on-site visit. The auditor reviews payroll, financial statements, and other documentation by mail, phone, or virtual meeting to confirm that the policy's premium matches the business's actual exposure.
What does a remote premium auditor do?
A remote premium auditor reviews business records such as payroll and sales data, applies the correct job classifications, and confirms whether the premium the business paid was accurate. The work is done from a home office over a secure connection.
Is remote auditing a good career?
For experienced auditors who are self-directed and detail-oriented, yes. Commercial policies are audited every year, so the work is steady, and remote roles remove the commute from the job.
What qualifications does ISG require for remote auditors?
At least three years of experience auditing workers' compensation and general liability policies, plus a working knowledge of NCCI and ISO rules. Each listing states its own requirements.
How do I apply?
Visit ISG's premium auditor jobs page to see open positions and apply online.
