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Risk Manager/Analyst Financial Analyst

Premium auditor, Risk Manager​/Analyst

Job in Clearwater, Pinellas County, Florida, 34623, USA
Listing for: Frank Winston Crum Insurance
Full Time position
Listed on 2026-08-21
Job specializations:
  • Insurance
    Risk Manager/Analyst, Financial Analyst
Salary/Wage Range or Industry Benchmark: 65000 - 90000 USD Yearly USD 65000.00 90000.00 YEAR
Job Description & How to Apply Below

Frank Crum is a Top Workplace!

Frank Winston Crum Insurance (FWCI) issues Workers'Compensation and General Liability policies by offering flexible coverage and payment options to meet the varied needs of businesses. Over the years, FWCI has grown from a single-state insurance carrier to one that is licensed in over 40 states and continues to expand. In addition to regional and product line growth, FWCI has enhanced its value-added services.

What has not changed though is the firm's commitment
-echoed throughout the family of companies - "always to do the right things for the right reasons!"

The Role You'll Play to Create Success

We are excited to announce our search for a full-time
Premium Auditor! In this role, you will have the opportunity to impact the Frank Crum business everyday by performing quality premium auditing of commercial policyholder operations and financial records including company payroll, bank statements, profit and loss statements, tax returns, general ledger, cash disbursements, and expense ledgers to determine final exposures and premium adjustments on auditable commercial lines policies.

  • Performs primarily virtual/hybrid reviews of policyholder’s payroll, accounting, and financial records to determine final exposures on auditable commercial lines policies.
  • Reviews policyholder’s business operations to determine correct classification(s) and identifying factors affecting insurability.
  • Ensures that audited exposures (payroll, sales, fixed assets, etc.) are accurately calculated within strict insurance guidelines.
  • Communicates audit findings through detailed formal reports supported by audit work papers.
  • Reviews appropriate audit documentation and/or company policy systems, to determine auditable exposures and coverages provided by the policy and plan audit strategy.
  • Investigates policyholder operations to obtain actual exposures, verify classifications as they apply to the policy and ensure conformity to various state laws and insurance regulations for the appropriate audit period.
  • Prepares detailed work papers and written correspondence in support of audit findings.
  • Provides external customers (i.e., agents and insureds) and internal customers (i.e., underwriting, policy processing, claims and accounting) with information to assist in their understanding of audit-related matters, including audit exposures, procedures, and worksheets.
  • Discusses issues and problems with the insured to ensure understanding of the change in premium exposures and to maintain good customer relations.
  • Remains informed of changes and current information relative to premium auditing through discussion and correspondence with experts and industry-related literature.
  • Maintains Premium Audit processes, policies, and procedures.
  • Facilitates, interprets, and apply auditing rules and regulations per Company and Bureau guidelines.
  • Compiles and distributes any audit process changes, class code changes, etc. from regulatory partners (NCCI), (PAAS/ISO), State OIR Bureaus.
    • The Attributes We Seek

    Bachelor’s degree in Insurance, Accounting, Finance, Management, Business Administration, a related field, or equivalent experience.
    Knowledge of Premium Audit and Underwriting principles, NCCI Basic Manual Rules, and the application of Labor Codes.
    4-5 years of experience in Workers’ Compensation/General Liability insurance operations or any equivalent combination of education, and training.

    Our Competitive Benefits
    • Health Insurance is zero dollar paycheck cost for employee's coverage and a low cost for family plan.
    • Dental and Vision Insurance
    • Short Term Disability and Term Life Insurance at no cost to the employee
    • Long Term Disability and Voluntary Term Life Insurance
    • Supplemental insurance plans such as Accidental, Critical Illness, Hospital Indemnity, Legal Services and Pet Insurance
    • 401(k) Retirement Plan where Frank Crum matches 100% of the first 4% the employee contributes, and the employee is immediately vested in the employer match
    • Flexible Spending Accounts for Medical and Dependent Care Reimbursement
    • Health Savings Account funded by Frank Crum
    • Paid time off and holiday pay
    • Education Benefit Program at the IRS Maximum allowance
    • PTO…
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