Premium audit

Premium audit

Guaranteed on-time service and quality to meet carriers’ premium audit needs

Premium audit

Guaranteed on-time service and quality to meet carriers’ premium audit needs

Improve your premium audit journey

EXL combines analytics, an industry-leading workflow platform, and deep domain experience to streamline premium auditing. Our solution reduces costs, improves underwriting results, and enhances customer satisfaction. We collaborate with clients to become an integral part of their business process.

We continually invest in our premium audit solutions, adapting to the need to shift to automated processes. This enables constant improvements for our innovative premium audit analytics tool, our platforms and systems, and customer-facing portal that provides customers the ability to order or see live updates on their auditing services.


EXL’s premium audit services are the best way for carriers to guarantee on-time service and quality that meets their premium audit needs.

Our core competencies

  • Capacity for high volumes of work
  • Responsive customer service
  • Customization

Physical Audit

A highly trained EXL employee works with the insured to provide a digital customer experience throughout the process. Our trained insurance premium auditor examines policyholder records on location to gather critical facts for all types of coverages.

Before the auditor is on-site, we can obtain source documents through our encrypted portal to expedite the on-site time with the insured. While on-site, the premium auditor will observe the business and complete a detailed description of operations in their report.

Phone Audit

Phone solutions are a smart choice to get a reliable, budget-friendly process of gathering information without an on-site visit. Each of our specialists completes extensive training to ensure they ask the right questions, getting the most accurate information during the interview process. EXL’s skilled employees gather the requested data using the most advanced technology available, allowing us to return the data quickly and efficiently.


auditstream™ is a secure workflow-based web portal that applies configurable rules and best-practice processes to increase completion rates, trigger additional data requests, or escalate to a phone audit if needed. A trained premium audit professional reviews each report for quality assurance. Completed auditstream™ reports are delivered according to the customers’ preference, such as through system-to-system, web, or email transfer. auditstream™ creates a one-of-a-kind intuitive workflow portal that alleviates administrative hassles and follow-up.

  • Secure online premium audit solution for small WC and GL policies
  • More than a dozen industry tracks to help guide the user through the insurance audit process
  • Configurable rules and best practices used to increase completion rates
  • Developed with behavioral psychologist to provide a compelling user experience
  • Carrier branded portal



EXL premium audit process


How is EXL premium audit different.

EXL takes a unique approach to delivering value to our clients. We focus on audit process automation by combining domain expertise with technology to improve the premium audit journey to deliver accurate premium audit results, solid ROI for auditing services, and the least leakage.


Rigid data security to ensure regulatory compliance and protect customers (Encrypted data transfer and storage)


100% employee workforce with nationwide coverage including Alaska and Hawaii


Technology-enabled model to speed up process and ensuring continuous improvement


Highly secure and easy to use as documents are majorly accepted through a secured portal


Industry leading training platform ensuring auditor competency and consistency


Ability to complete all levels of premium audits on all auditable exposure types

Featured insights
The “Big Quit.” The “Great Reshuffle.” Call it what you will, but when the pandemic motivated droves of employees to leave their jobs for stay-at-home paychecks, basic business processes, such as premium audits, became a “Great concern.”
In today’s insurance market, MGAs, MGUs and wholesalers face several important challenges to transform their traditional operations. Chief among these are talent expense and recruiting difficulties, the growing need for speed and innovation to remain competitive, and cost pressures that are squeezing margins.
Welcome back to our whitepaper series. If you read our introductory paper, you know that we are focused on how to use AI and data throughout the new business and underwriting processes.
Delivering new products at speed. Providing personalized customer experiences at scale. Enabling better, faster decisions across the business. Succeeding in the insurance market today requires meeting these and other objectives, and meeting these objectives requires data-driven transformation that embeds analytics and AI at every level of the organization.
Within insurance, the actuarial function has largely remained untouched by the technological advances for several decades. However, the recent shifts in the market dynamics, customer preferences, technology advancements, and regulatory landscape are forcing the insurers to explore all the possibilities to not only gain competitive edge but also, in some cases, stay relevant in the market.
Covid has created a mini industry in ‘Thought Leadership’ prediction and an abundance of ‘Vision [2025/30]’ documents. While we know, of course, how important that kind of thinking is, we also like the sentiments above, of Pope John II.
EXL Premium Audit Account Managers
Jason Baie Chad Frank Steven Staubley Mario D Fiel
Jason Baie
Vice President, EXL Premium Audit Sales


Jason's career has spanned 25 years in Loss Control and Premium Audit from a field auditor to vice president. Jason has been a board member of CIAMA (California Insurance Auditor Managers Association). He has a degree in Risk Management and Insurance from California State University. He can be reached at

Chad Frank
SAVP, National Account Manager – Central States, EXL Premium Audit

Chad has over 18 years of experience in the insurance industry, both as a premium auditor and an Account Manager for EXL Services. He actively attends NSIPA annual conventions and Regional Chapter meetings. Chad holds a bachelor’s degree in Accounting and Economics from Luther College. He can be reached at

Steven Staubley
SAVP, National Account Manager - Eastern Region, EXL Premium Audit

Steven has over 30 years of experience in the insurance industry having worked for NCCI and several large national insurance companies. He has significant experience in experience rating, claims management, loss control and premium audit. He has been actively involved with the Insurance Auditors Association of the Southeast (IAASE) including serving two terms as Treasurer. Steven holds an Associate in Risk Management (ARM) designation, Bachelor of Science degrees in Real Estate and Risk Management/Insurance and a Master of Business Administration. He can be reached at

Mario D Fiel
AVP, National Account Manager – Northeast States, EXL Premium Audit

Mario has more than 45 years of insurance industry experience. He began his insurance career as an independent agent in Connecticut, before entering the premium audit field with Aetna Casualty where he held various positions, including Senior Audit Analyst and Administrator. Actively involved in the National Society of insurance premium Auditors (NSIPA), Mario is currently serving on the Executive Board of Directors of NSIPA after serving two terms as President. Mario holds a bachelor’s degree in Business Administration with a Marketing emphasis from Central Connecticut State University. He can be reached at


  1. Who is EXL Premium Audit (Previously Overland Solutions)?
    EXL acquired OVERLAND SOLUTIONS, INC.™ in 2014. EXL has a solid track record of high performance and quality, specializing in premium audit services. We emphasize customer satisfaction and proactive account management Time-saving technology and automation continue to enhance the overall quality for optimal results. We offer true nationwide service, serving all 50 states through regional offices strategically positioned throughout the country.
  2. Who can I contact about the services available?
    Please reach out to anyone of us from the Leadership section above through email or Contact Us here.
  3. How do I get registered to place an order?
    If you want to register for our website for the first time, you need to click here to create a unique username and password to access your account information. Registered members can access the portal by clicking the Login button at the top right of the page.