Improve Your Premium Audit Journey
What we do

A leader in the field, EXL can complete all levels of premium audits on all auditable exposure types. We train our 450+ highly skilled professionals worldwide utilizing our industry-leading training platform and curriculum. This expertise is combined with a technology-enabled proprietary platform, with predictive modeling capabilities. Using a Premium Audit selection model, the team can predict the likelihood of policy misclassification, automatically assign audit methods to save carriers time and money, and use machine learning to continuously improve correlation and prediction accuracy.

Supports 150+ carrier interfaces

Supports 150+ carrier interfaces

Exceeding industry standard in time service and quality

Exceeding industry standard in time service and quality

7 out of the top 10 workers’ compensation carriers as clients

7 out of the top 10 workers’ compensation carriers as clients

100% all employee workforce with collective experience exceeding 2,000 years

100% all employee workforce with collective experience exceeding 2,000 years

300,000+ Premium Audits completed annually

300,000+ Premium Audits completed annually


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.
Rigid data security to ensure regulatory compliance and protect customers (Encrypted data transfer and storage)
Highly secure and easy to use as documents are majorly accepted through a secured portal
100% employee workforce with nationwide coverage including Alaska and Hawaii
Industry leading training platform ensuring auditor competency and consistency
Technology-enabled model to speed up process and ensuring continuous improvement
Ability to complete all levels of premium audits on all auditable exposure types

Digital Intelligence is the foundation of everything we do and inspires our ideas and research.

Why exl
Digital transformation strengthened by deep knowledge of insurance.

With many leading insurers as clients, we have an understanding of premium audit and the overall impact it has on a carrier’s bottom line. 

We use our deep understanding of the customer journey and next-gen technology to help insurers leverage their data to identify and understand who to target, why products resonate, and how to secure and grow customer loyalty.

For EXL, outcomes do not end with a completed audit. We collaborate with you to improve your bottom line and your customer’s experience.

12 OF THE TOP 20
property & casualty insurers collaborate with EXL
in Everest Group's "Property and Casualty Insurance BPO PEAK Matrix Assessment 2020”
in ISG Provider LensTM Quadrant Reports 2019 for P&C Insurance Services

EXL Premium Audit Leadership Team

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

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

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

Jo Kim Graham

SAVP, National Account Manager – Southeast States, EXL Premium Audit

Kim has over 30 years of experience in the insurance industry as a Field Inspector, Premium Auditor and an Account Manager for EXL Services. She served two terms as President of the Insurance Auditors Association of the Southeast (IAASE), served on the Board for many years and is active in the Insurance Auditors Association of the Carolinas (IAAC). She has a significant amount of experience in the P&C sector, WC and GL lines of business. Kim holds a Bachelor of Science degree in Business Administration and Management from Clemson University. She 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.

Contact US