Senior 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 About EMPLOYERS

Work arrangement
Yes