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Job Details

1099 Physical Premium Auditor-Client Sites

Premium Auditor - W/C & G/L

Premium Audit - Physical Audit

Life and Work Proven in Lieu of Diploma


Contractor Full Time Work

Policyholder Location


Fort Pierce, Florida, United States

Premium Auditor and Quality Reviewer

Sedgwick has more than 50 years of experience helping organizations navigate the increasingly complex risk and productivity management environment. We consistently deliver accurate, reliable and timely premium audit results — performing more than 43,000 premium audits in 2020. We enlist our network of independent premium auditors and quality reviewers for assignments nationwide.


Sedgwick’s premium auditors work on site with our clients to ensure the policyholder’s premium matches their exposure. Our 1099 contractors visit commercial businesses or work virtually to review financial and payroll data.

Sedgwick’s quality reviewers work to ensure compliance with state regulatory requirements. Our 1099 contractors review premium audit data such as proper class codes, specific client requirements, & grammatical errors.

Essential Functions and Responsibilities

Provide quality and timely premium audits and quality reviews. Generally, assignments fall under workers’ compensation, general liability, and garage and auto liability. Our team provides various types of audits including:

  • Physical – Ideal for complex or large accounts, test audit states, new businesses or businesses undergoing changes in operations or scope
  • Virtual – Meets the requirements for a physical audit and offers a cost-effective option in cases where electronic records are preferred
  • Telephone – Ideal for smaller or less complex policies and accounts with a consistent history of audited exposure
  • Voluntary – Suitable for small policies with few employees, one or two class codes and straightforward operations for premium audit

NOTE: The number of assignments and frequency of them may vary depending upon geographical location. Sedgwick assigns work based on skill set and capacity requirements.

Premium Auditors are paid as 1099 contractors with average earnings between $38–$50 per billable hour, including time spent meeting with the insured, completing an audit and writing the associated report. Audits completed by telephone are paid on a per audit basis, not per billable hour. Quality Reviewers are also paid as 1099 contractors via a pay scale that ranges based on the client. Contractors willing to travel beyond a 60-mile radius are compensated for mileage in addition to meals and lodging if any overnight work occurs.


Minimum Requirements

· Minimum of two years’ experience within the premium audit industry and knowledge of all lines of coverage including Worker’s Compensation, General Liability, Auto and Garage for all states

· Ability to organize, manage, and travel a reasonable territory (60-mile radius typically) and work a flexible, on-demand schedule, including availability during regular business hours throughout the work week.

  • Ability to maintain product quality according to industries standards and specific client requirements

· Equipment (provided by contractor):

o Reliable transportation to drive to/from assignments

o PC, laptop, or smart device with Microsoft Word

o Scanner or fax

o High Speed Internet Access


· HS diploma or GED required

Skills and Knowledge

· Self-starter with ability to work individually under limited and remote supervision

· Ability to meet deadlines

· PC literate, including Microsoft Office products

· Exceptional verbal and written communication and consultative skills

· Professional conduct and excellent interpersonal skills

· Strong analytical and interpretive skills

· Knowledge of California workers’ compensation classification system, basic manual rules, and industry advisory resources

Preferred Qualifications

· Industry designation such as APA, CIPA, or CPCU

· WCIRB CompEssentials certification

· Any other relevant licenses and/or certifications are a plus

NOTE: Motor vehicle record check, confirmed via a background screening, is required for this position.

The statements contained in this document are intended to describe the general nature and level of work being performed by a contractor assigned to this description. They are not intended to constitute a comprehensive list of functions, duties, or local variances. Management retains the discretion to add or to change the duties of the position at any time.