Underwriter (Workers' Compensation)

Workers' Compensation Underwriter (Associate, Underwriter, or Senior) | 100% Remote (WFH) Opportunity

About the Role

EMPLOYERS is one of the nation's leading small business workers' compensation insurers. Our underwriters become true workers' compensation specialists, with deep market knowledge, strong agent partnerships, and real influence over their book. You'll join our underwriting team supporting multiple distribution channels, working with licensed agents and with business owners who have no insurance background. We offer the stability of an established, publicly traded company and a remote-friendly culture that trusts our people to own their work.

What You'll Do

• Underwrite and retain new and renewal business through disciplined risk analysis, pricing in adherence to state filings, corporate guidelines, and delegated authority
• Own an established renewal book and meet all statutory deadlines, including conditional renewal and non-renewal notices
• Evaluate risk, classification, and loss experience independently, including small accounts with limited information
• Compile relevant information and document underwriting decisions; refer to management when appropriate with sound rationale and recommendations
• Develop and maintain strong agency relationships in partnership with your sales partner
• Provide thorough guidance to Underwriting Services staff processing coverage requests in accordance with service guidelines and SLAs
• Provide professional, timely, and courteous communication to internal and external customers, including delivering unfavorable decisions, and resolve issues
• Route requests to the right owner across Underwriting Services, Claims, Audit, Payment Services, and Customer Service
• Maintain current product line and industry expertise; share competitive intelligence and market trends with leadership and peers
• Participate in organizational projects and cross-functional initiatives as requested
• Senior level: serve as the primary escalation resource for complex accounts and referrals, and mentor and coach Underwriters and Associate Underwriters

What You Bring

• Property and casualty underwriting experience, with workers' compensation underwriting experience
• Associate: 1+ years
• Underwriter: 3+ years
• Senior: 5+ years
• Proficiency working with complex underwriting documents, coverage forms, financial data, and regulatory guidance
• Analytical skills including loss ratios, net rates, experience modifications, and portfolio metrics (depth scales with level)
• Strong problem-solving skills for complex, non-standard, and ambiguous situations
• Excellent written, verbal, telephone, and virtual communication skills
• Excellent organizational, time management, and negotiation skills
• Bachelor's degree, or equivalent combination of education and experience
• Preferred: CPCU, AU, ARM, or CIC (pursuit of designations is encouraged and supported)
• Preferred: familiarity with AI tools and their application in underwriting or insurance workflows

Work Environment

• 100% remote, open to candidates located in the U.S. who can work without sponsorship
• Private, quiet workspace suitable for focused work and video collaboration
• Occasional travel to off-site locations for meetings may be required

Compensation: $60,000-$110,000 depending on level and experience, plus a comprehensive benefits package. EMPLOYERS Benefits #LI-Remote About EMPLOYERS