Insurance Inspector- Workers Compensation Classification Field Inspector
At NCCI Holdings, Inc., we realize our greatest asset is our team of more than 900 professionals working together every day to make our company the leading provider of workers compensation insurance data and research information. Read on to learn about the requirements for this opening.
This position requires 60-80% travel, covering a territory that includes Maryland and Washington DC.
The incumbent in this position will interview key contacts with insured businesses and perform physical inspections to assess employer operations, compare the operations to the workers compensation classification system for the particular jurisdiction and determine and assign the proper workers compensation classification code(s). This position is responsible for ensuring the workers' compensation classification system has been applied correctly at the discrete employer level to arrive at the most appropriate premium for a policy and consistency in application of the system. The overall impact of each inspection results in the potential shifting of premium.
Perform physical inspections of insured operations (Classification Quality Assurance, Special or customer requested to resolve a dispute, State Special and A-Rate Inspections). If requested, perform a telephone inspection/survey.
Complete Classification Inspection Report with Department Breakdown and assign appropriate classification codes based on the results of the physical inspection and in accordance with Basic Manual rules, classification code(s) generally accepted definitions as well as state or federal law. Provide a summary of reasons for a change in classification if one is recommended as a result of the inspection. Negotiate a resolution with parties involved if inspection results are disputed.
Receive, acknowledge, review and organize inspection assignments by city and ZIP code. Contact employers to efficiently schedule classification inspection appointments and send inspection appointment or announcement letters. Enter inspection appointment information in database.
Conduct background research into an insured and insured operations prior to the inspection; review employer and policy information, review the Basic or Scopes manuals, and conduct research and preparation necessary to determine the appropriate classification code prior to the physical inspection. Develop list of any exceptional questions to be asked during the physical inspection. Coordinate with any additional external parties as necessary.
Complete/Update the appropriate screens in the Inspection Tracking Database, allocate time to each assignment, attach copy of completed Classification Inspection Report and close the completed assignment. When appropriate, send copies of completed Classification Inspection Report to appropriate system participants.
Identify areas/issues of potential class analysis based on personal observation and inspection. Review and respond to classification inspection correspondence and telephone communications. Identify and resolve customer issues or classification disputes. Serve as the regional expert/resource in classification issues and general industry trends. Assist regulators or NCCI staff with classification issues. Provide assistance, testimony and support in classification code appeals and in support of classification code analysis.
Complete weekly production and expense reports. Review e-mails, complete administrative tasks, attend meetings, complete training and other duties as assigned.
Required Education, Experience And Skills
Minimum of eight years experience in workers compensation, preferably in the areas of field auditing, classification inspections, audit review, underwriting or loss prevention; or a combination of equivalent targeted experience and education. Bachelor's degree preferred.
Expert knowledge of workers compensation manuals (Basic Manual, Scopes Manual and Experience Rating Manual).
Comprehensive knowledge of the Workers Compensation Classification System.
Expert knowledge of determining and assigning classification codes based on a physical inspection
of insured operations.
Demonstrated ability to make decisions.
Excellent analytical skills.
Ability to work independently on a self directed basis.
Creative problem solving.
Excellent communication skills.
Demonstrated ability to negotiate and resolve disputes in an adversarial environment.
Strong interpersonal skills to handle carriers, employers, agents, premium consultants and attorneys.
Advanced understanding of business operations necessary for assignment of appropriate classification codes.
Strong analytical and interpretive skills.
Ability to lead and influence others.
High degree of accuracy in work product.
Efficient scheduling with intense travel requirements.
Ability to use laptop computer with docking station, printer, fax machine and digital camera.
Ability to use e-mail, Internet/Intranet and scheduling applications.
Efficiently use word processing application such as MSWord or Excel for Classification Inspection Report and correspondence with minimal errors.
Efficiently use spreadsheet application such as Excel for expense tracking and reimbursement with minimal errors.
Ability to learn how to use an inspection tracking system application with minimal errors.
Ability to access and use hard copy technical and on-line manuals and guides.
Ability to provide expert testimony at administrative and judicial hearings.
Preferred Education, Experience And Skills
Professional insurance license such as an agent license, certified safety professional license or professional achievement or certificate such as Associate in Premium Auditing or CPCU.
Additional keywords: premium audit, insurance, inspector, field inspection, field audit, classification audits, workers compensation inspections, insurance inspections, insurance inspector
As key contributors to our success, our team members enjoy working in a casual, collaborative environment that offers state-of-the-art resources, advanced technologies, and a superior benefits package.
We require a drug screen and background check.
EEO/Smoke Free environment