Let's say I'm a programmer, I know some artists, we've got a game engine and fun prototype done, and we're ready to enter the indie equivalent of "production".
But the game is full of "programmer design" (and/or "artist design"). We've got a core design concept, but average level design, average AI patterns, average writing, poor balance here and there.
Other questions have covered how to help independent developers find programmers and artists. Where can independent artists and programmers find designers? People who can refine and extend the design elements of the game until they really stand out.