Description

WHO WE ARE:

Harford Mutual Insurance Group is a growing, dynamic community partner located in Bel Air in Harford County, Maryland, offering a positive, diverse, and inclusive work environment with a rich company culture. We provide commercial property and casualty insurance products and services to a regional market. Founded in 1842 on the principles of mutuality for our business clients, our agents, and our company, we believe in insuring opportunity through mutual success® and invite our employees to continue that tradition with respect, integrity, exemplary service, and personal responsibility.

THE OPPORTUNITY

This position primarily conducts virtual audits of commercial accounts to determine the appropriate classifications and exposures to be used as the basis of premium and to determine final exposures. In addition, assembles facts and data having a bearing in the determination of actual earned premiums for specific classes of casualty insurance including workers' compensation and general liability. There is a potential for some physical audits on an as needed basis in the territory. This position will primarily cover our Southern states with some potential of virtual surveys in other territories as needed.

WHAT YOU’LL DO:

• Conduct timely and accurate premium audits on commercial accounts to validate the accuracy of classifications and premium bases within a defined geographical area.
• Reach out to insureds in order to obtain audit documents. Stay in communication with insureds throughout the audit process.
• Complete audits based on industry standard rules and interpretation for that jurisdiction.
• Conduct a inspection of insured’s books to obtain the audit exposures.
• Obtain information about the insured operations and different employee responsibilities to confirm proper classification.
• Send notifications to Underwriters of any unusual conditions that may affect the premiums.
• Develop relationships with customers, agents, underwriters, and other internal business partners to communicate and support the audit results.
• Conduct Physical audits in the territory on an as needed basis.
• Perform other duties or special projects as required or as assigned by a supervisor.

WHAT YOU’LL BRING:

• Bachelor’s degree; preferably in Accounting, Finance, or Insurance.
• Minimum of two years’ Premium Audit or related experience preferred.

WHO YOU ARE:

• Solid analytical and organizational skills
• Strong collaborating skills, and an ability to work effectively both independently and as part of a team
• Comfortable in a fast-paced environment with frequent deadlines; high energy, self-motivated and proactive.
• Excellent communication and interpersonal skills.
• Ability to multitask and be flexible regarding workload and assignments.
• Ability to exercise judgment and make decisions.