Senior Underwriter (Workers Comp)

Job description

Accountabilities: Evaluate and underwrite workers’ compensation insurance applications by analyzing risk exposures, financial data, and industry-specific characteristics to determine appropriate pricing, coverage terms, and acceptability. Review new business, renewals, and policy change requests while applying underwriting guidelines and risk appetite frameworks. Approve, decline, or refer submissions within assigned authority levels, ensuring sound risk selection and profitability. Conduct detailed risk analysis for complex accounts across industries such as construction, hospitality, real estate, and manufacturing. Ensure underwriting decisions comply with regulatory requirements, internal standards, and audit expectations. Document underwriting rationale, pricing justification, and risk assessments clearly and consistently in underwriting files. Build and maintain strong relationships with brokers and producers to support business development and portfolio growth. Collaborate with internal underwriting, operations, and product teams to streamline processes and improve efficiency. Provide recommendations to insureds and partners to reduce exposure and improve risk quality. Support process improvements and contribute to knowledge sharing and mentorship within the underwriting team. Requirements: Bachelor’s degree in Business, Finance, Risk Management, or a related field, or equivalent experience with 10+ years in underwriting. Minimum 5+ years of workers’ compensation underwriting experience or related commercial insurance underwriting expertise. Strong understanding of underwriting principles, pricing models, and risk evaluation methodologies. Experience with high-risk industries such as construction, manufacturing, real estate, or hospitality. Ability to analyze complex submissions and make sound, data-informed underwriting decisions. Strong communication and relationship-building skills with brokers, agents, and internal stakeholders. Proficiency in Microsoft Office Suite and ability to quickly learn underwriting and insurance systems. Detail-oriented mindset with strong organizational and documentation skills. Adaptability and ability to manage shifting priorities in a fast-paced, production-driven environment. Insurance designations such as CPCU, CIC, CRIS, or Property & Casualty licenses are a plus. Benefits: Competitive annual salary range: $101,000 – $127,000 USD, plus bonus eligibility Employee ownership program with long-term value participation Comprehensive medical, dental, and vision insurance coverage 401(k) plan with company match Paid time off, paid holidays, and flexible time-off programs Health Savings Account with company contribution Life, AD&D, short-term disability, and voluntary insurance options Remote/hybrid support including work-from-home reimbursement (where applicable) Professional development and career growth opportunities Employee assistance and financial wellness programs Inclusive, collaborative, and mission-driven work environment. How Jobgether works: We use an AI-powered matching process to ensure your application is reviewed quickly, objectively, and fairly against the role's core requirements. Our system identifies the top-fitting candidates, and this shortlist is then shared directly with the hiring company. The final decision and next steps (interviews, assessments) are managed by their internal team. We appreciate your interest and wish you the best! Why Apply Through Jobgether? Data Privacy Notice: By submitting your application, you acknowledge that Jobgether will process your personal data to evaluate your candidacy and share relevant information with the hiring employer. This processing is based on legitimate interest and pre-contractual measures under applicable data protection laws (including GDPR). You may exercise your rights (access, rectification, erasure, objection) at any time. #LI-CL1 This position is posted by Jobgether on behalf of a partner company. We are currently looking for a Senior Underwriter (Workers Comp) in the United States. This role sits at the intersection of risk evaluation, data-driven decision-making, and commercial insurance expertise within a fast-growing, technology-enabled underwriting environment. You will assess and price workers’ compensation risks across a diverse portfolio of industries while ensuring profitability and regulatory compliance. The position involves deep analysis of submissions, renewals, and policy changes, using structured underwriting guidelines and data tools to guide decisions. You will collaborate closely with brokers, producers, and internal underwriting teams to support efficient policy issuance and portfolio growth. The environment is highly collaborative, fast-paced, and focused on innovation in digital insurance distribution. This is a senior-level role where your judgment directly impacts risk selection, pricing strategy, and long-term portfolio performance.