Audit Meeting
Premium Audit

PAN•OP•TIC: being or presenting a comprehensive or panoramic view


The Panoptic Audit will revolutionize the way
your Premium Audits are done.

We will diminish the intrusive and bothersome perception of having a Premium Audit while maintaining the integrity of the audit and the information provided for your company’s use. With all information provided virtually and all communication done remotely, it puts your customer in the driver’s seat; making the process smooth, accurate and customer friendly. The best part? You pay substantially less for your premium audit. Contact us and we’ll show you how.


Rick Kuharik has been with JMI Reports since January of 2013 leading the commercial lines team in regard to quality, product development and pricing of commercial surveys. Rick started his premium audit career in 1986 as a premium auditor for a regional vendor, Armfelt and Associates. Rick began his 19 year service at Westfield Insurance as a premium auditor in 1990, promoted to Premium Audit Manager in 1993 and Director of Risk Services, responsible for premium audit and loss control, in 2000. He joined Legacy P&C Partners, a regional premium audit and commercial property survey company as co-owner and Vice President-Business Development in 2009 where hybrid audits were utilized and refined.

Rick is the current President of the Insurance Auditors Association of the Central States (IAACS) and the editor of the newsletter. He is also current President of the Insurance Auditors Association of Northern Ohio (IAANO) and past officer/board member of the National Society of Insurance Premium Auditors (NSIPA). Rick has authored a number of articles and presentations on the local, regional and national level concerning the premium audit industry.


Zelda Emery is the Premium Audit Manager beginning her service with JMI Reports in June, 2014. She started her premium audit career with Westfield Insurance in 1999 as a premium audit reviewer. She was promoted to Premium Audit Supervisor in 2004 and Premium Audit Support Leader in 2009. She had been with Westfield for 22 years also working in account collections and subrogation before entering the premium audit field.

Zelda is a current Director of the Insurance Auditors Association of the Central States (IAACS). She is also the treasurer of the Insurance Auditors Association of Northern Ohio (IAANO).

Making a Difference for our Customers JMI Premium Audit was built on the premise of making a difference for our customers, our associates and our industry. Our approach to business is customizing our service solutions to exceed customer expectations. Our mission is your mission, becoming an essential partner with our clients, not merely a seller of services. We are people oriented, not product oriented. Our underlying principle is based on trust, if you have trust in your partner, all the other variables fall into place; quality, time service and cost.