Underwriter

Accountabilities

• Underwrite new business and renewal accounts within the assigned geographic territory, applying sound risk selection and underwriting judgment.
• Manage an assigned book of business and work toward profitability, loss ratio, renewal retention, rate change, and in-force premium objectives.
• Develop, strengthen, and maintain productive relationships with independent agencies across the territory.
• Analyze account information, document underwriting decisions thoroughly, and make recommendations within established authority levels.
• Collaborate with Business Development teams to support growth strategies, agency development, point-of-sale presentations, and responsive customer service.
• Communicate underwriting appetite clearly to agency partners while monitoring hit ratios, new business volume, production targets, and overall profitability.
• Identify opportunities to improve underwriting principles, techniques, processes, and risk appetite based on market and portfolio insights.
• Ensure compliance with applicable insurance filings, regulatory requirements, and internal underwriting standards.
• Use internal systems and reporting tools to monitor book performance and ensure production objectives are achieved throughout the policy term.
• Develop a detailed understanding of agency needs, personnel, target markets, contracted insurers, and business opportunities, maintaining accurate records of agency interactions.
• Conduct agency evaluations and partner with Business Development to establish and achieve agency-specific goals.
• Travel extensively throughout the assigned territory, including agency visits and other business meetings, with travel potentially reaching 50% of the time.

Requirements

• Bachelor’s degree in a relevant field.
• Demonstrated experience in workers’ compensation underwriting, preferably with exposure to higher-hazard industries such as construction and heavy manufacturing.
• Experience working with independent insurance agents or in an agency-focused marketing environment is preferred.
• CPCU, CIC, or AU designation is preferred.
• Strong working knowledge of Microsoft Office, particularly Word and Excel.
• Strong analytical, interpersonal, negotiation, and decision-making skills, with the ability to evaluate complex risks and make commercially sound recommendations.
• Exceptional written and verbal communication skills, with the ability to build credibility and communicate effectively with both internal and external stakeholders.
• Self-motivated, results-oriented, and comfortable working independently while contributing effectively to a collaborative team.
• Strong relationship-management and customer-service capabilities, with the ability to become a trusted business partner to agency stakeholders.
• Able to manage multiple priorities, meet deadlines, adapt to changing requirements, and remain composed in high-pressure situations.
• Strong organizational and managerial skills, including the ability to work effectively with people across different personalities, communication styles, and professional backgrounds.
• Willingness and ability to travel extensively within the assigned territory, including over-the-road travel of up to 50% of the time.

Benefits

• Work-from-home position with autonomy to manage an assigned territory.
• Opportunity to work in a specialized, high-hazard workers’ compensation underwriting environment.
• Significant relationship-building and business development exposure with independent agency partners.
• Opportunity to contribute directly to portfolio profitability, business growth, and underwriting strategy.
• Professional development opportunities, including potential value from CPCU, CIC, or AU credentials.
• Compensation determined based on factors including role scope and complexity, location, skills, education, training, credentials, experience, and other employment conditions.
• Significant travel opportunities and direct engagement with agencies across the assigned territory.