According to Wikipedia: "Insourcing is the opposite of outsourcing; that is Insourcing (or contracting in) is often defined as the delegation of operations or jobs from production within a business to an internal (but 'stand-alone') entity" that specializes in that operation.
Accountability is a key to excellent service . The employees who work in the virtual staff business model remain part of the team and are accountable to other team members for their results.
Insurance carriers which partner with virtual staff know the auditors will be aware of how their actions affect Underwriting and Agency partners as well as Policyholders.
Virtual staff processes are designed to address the risks and outcomes of the premium audit process to ensure smooth team functioning. This is a lot more work for premium audit but saves a lot of work for Underwriting and Agency staff.