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You may be wondering "what is an insurance premium auditor?"  Some insurance policies are issued with an estimated exposure ( such as payroll for workers compensation).  Premium auditors work with the insurance industry to determine proper exposures for the insured's policies at the end of the policy period. Often this involves the premium auditor looking at the insured's payroll records, financial records, vehicle counts, mileage records, business operations, or any additional records related to their insurance policy.  The audited exposures are then turned into the insurer who multiplies it by the policy rates to determine the insured's final premium.  

Insurance auditors have to have an understanding of insurance laws and regulations along with technical skills for acquiring accurate exposures. This is especially true in worker's compensation where rules for what is included in exposures can vary state to state.


Growth, Development,

Professionalism, Education

The Insurance Auditors Association of the Central States ( IAACS) is here 

  • To provide a forum for the exchange of information

  • To contribute  to the insurance industry knowledge and experience of the professional insurance auditor

  • To provide and maintain ethical standards of conduct and professionalism

  • To promote NSIPA ( National Society of Insurance Premium Auditors)

  • To promote  and support local chapters of The Insurance Auditor’s Association of the Central States


This Association will not involve itself in any type of forum for the purpose of bargaining with the employers of its members.  This Association will not permit discussion at any meeting or sanction function of the Association of confidential information pertinent to any insurance company, insured, local or national insurance association.

Antitrust Statement

Our Association does not define, support, formulate, or recommend particular strategies or actions.

Participants should not disclose non-public details, discuss marketing or competitive strategies, or indicate future plans.

Attendees should discuss only past publicly available history relating to the subject of rates and underwriting standards.

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