Underwriter (Workers' Compensation) at Employers

Job description

Senior Underwriter | 100% Remote (WFH) Opportunity General Summary Employers is one of the nation’s leading small business workers’ compensation insurers, with a deep focus on workers’ compensation that creates unmatched expertise for our underwriting professionals. Our underwriters become true workers’ compensation specialists — developing deep market knowledge, strong agent partnerships, and real influence over territory outcomes. Our diverse distribution model spans independent agents, payroll partners, specialty programs, and digital channels. Underwriters here are genuine business partners — paired with a Territory Manager or Customer Relationship Manager and sharing real accountability for growth, profitability, and agency relationships in their market. We offer the stability and resources of an established, publicly traded company and a remote-friendly culture that trusts our people to own their work. The Senior Underwriter is the highest individual contributor level on the Employers underwriting career track — a recognized technical expert, trusted business partner, and informal leader within the underwriting organization. Senior Underwriters carry the broadest letter of authority, manage the most complex accounts, and play an active role in developing the next generation of underwriting talent. If you are ready to operate at the intersection of expert risk selection, strategic territory management, and team leadership, this is your role. About EMPLOYERS Essential Duties and Responsibilities Underwrite and retain new and/or renewal business through disciplined risk analysis, pricing in adherence to state filings, corporate guidelines, and delegated authority. Compile relevant information and document underwriting decisions; make referrals to management when appropriate with sound rationale and recommendations. Develop and maintain strong agency relationships with shared accountability with your Territory Manager or Customer Relationship Manager partner in meeting territory goals. Provide thorough and pertinent guidance to Underwriting Services staff required to process coverage requests in accordance with service guidelines and SLAs. Provide professional, timely, and courteous communication and service to internal and external customers to resolve issues. Operate with the highest level of independence; serve as the primary escalation resource for complex accounts, referrals, and underwriting judgment calls within the team. Own state/territory management for assigned states at a strategic level: contribute to state-level pricing and appetite reviews, advocate for territory-specific guideline adjustments based on market conditions, and serve as the go-to resource for state-specific nuances and regulatory developments. Contribute to state-level strategic planning, including identifying growth opportunities and underperforming segments; influence territory strategy in collaboration with leadership and your Territory Manager or Customer Relationship Manager partner. Serve as a technical expert and mentor to Underwriters and Associate Underwriters; support coaching, skills development, and knowledge transfer within the team. Support leadership by performing internal underwriting audits; assist in educating staff on findings, trends, and updated guidelines and procedures. Participate in organizational projects, cross-functional initiatives, and other leadership duties as requested. Maintain cutting-edge product line and industry expertise; actively gather and share competitive intelligence and market trend information with leadership and peers. Contribute to tactical and strategic business planning with Sales and distribution partners at a senior level. Career Progression: The Senior Underwriter is the pinnacle of the individual contributor underwriting track at Employers. Senior Underwriters who have demonstrated sustained high performance and expanded their organizational impact are well-positioned for Underwriting Manager