Senior Insurance Accountant; STAT & GAAP – Accident & Health

Senior Insurance Accountant (STAT & GAAP – Accident & Health)

Clearwater, United States | Posted on 01/05/2026

Clearwater, FL (Onsite) | Full-Time | Mid-Senior Level | 1 Opening

Relocation Assistance Available | No Visa Sponsorship

An established insurance organization is seeking a Senior Insurance Accountant with strong STAT and GAAP accounting experience within the Accident & Health (A&H) insurance space. This role supports statutory and GAAP financial reporting in a highly regulated environment governed by NAIC requirements.

The ideal candidate brings deep technical insurance accounting expertise, strong analytical skills, and experience managing quarterly, annual, and month-end close activities.

The Senior Insurance Accountant applies Statutory Accounting Principles (SAP) and Generally Accepted Accounting Principles (GAAP) to prepare financial statements, regulatory filings, and management reports. This role is critical in ensuring accurate financial reporting, regulatory compliance, and process improvement within the accounting function.

• Compile and analyze financial data to prepare journal entries and maintain general ledger accuracy
• Apply in-depth knowledge of earned, assumed, and ceded premiums and their proper financial statement treatment
• Prepare NAIC quarterly and annual statutory filings
• Calculate and file quarterly premium tax filings across multiple states
• Perform cash, intercompany loan, and bank reconciliations; manage ACH setup for expenditures
• Conduct variance and ratio analysis; present findings and insights to senior leadership
• Prepare balance sheets, income statements, and other financial reports to summarize financial performance and projections
• Audit contracts, orders, and vouchers to substantiate transactions prior to settlement
• Ensure compliance with GAAP, SAP, and internal accounting policies
• Identify, investigate, and resolve accounting discrepancies and reporting inconsistencies
• Install, modify, and improve accounting systems and internal controls
• Drive process improvements and automation initiatives within the accounting function
• Develop and maintain pro formas for pricing, profitability, and contract analysis
• Make recommendations related to reserves, assets, expenditures, and accounting treatments
• Prepare federal, state, and local tax filings and regulatory reports
• Maintain confidentiality of company, employee, and client information
• Perform additional duties as assigned.

• STAT and GAAP accounting experience (required)
• Minimum 4+ years of accounting experience
• Minimum 2+ years of insurance industry experience
• Minimum 2+ years of statutory accounting experience
• Minimum 4+ years of GAAP accounting experience
• Strong experience in Accident & Health (A&H) insurance accounting
• Bachelor’s degree in Accounting (required)

• Insurance industry designations (e.g., LOMA or similar)
• Experience with NAIC regulatory reporting