Job Responsibilities:

• Manage and underwrite new and renewal Workers’ Compensation accounts, demonstrating strong technical expertise, sound judgment, and adherence to company underwriting guidelines and state regulations.
• Analyze and evaluate submissions including loss runs, experience mods, payroll classifications, industry exposures, and safety controls to select profitable risks.
• Determine appropriate pricing, coverage structures, limits, and terms to ensure profitability while maintaining competitiveness in the market.
• Assess key Workers’ Compensation risk factors such as workplace safety programs, claims history, job classifications, multi-state exposures, and return-to-work programs.
• Actively manage a complex book of WC business, focusing on portfolio profitability, retention, and growth targets.
• Negotiate pricing, terms, and conditions with brokers and agents, while identifying cross-sell opportunities across other commercial lines.
• Build, maintain, and expand strong relationships with brokers, agents, and internal stakeholders to drive new business opportunities and maximize retention.
• Partner with claims, loss control, and actuarial teams to deliver a comprehensive underwriting approach and improve risk selection.
• Provide accurate forecasting, participate in business planning, and contribute to achieving underwriting and financial performance goals.
• Mentor and support junior underwriters, providing guidance on WC underwriting practices, classification accuracy, and regulatory considerations.
• Stay current on Workers’ Compensation market trends, regulatory changes (particularly California WC), rate filings, and emerging risks, and adjust underwriting strategies accordingly.
• Support process improvements and leverage technology to enhance underwriting efficiency and decision-making.

Work Experience and Education:

• Minimum of 6+ years of dedicated Workers’ Compensation underwriting experience (8+ preferred), with demonstrated success managing complex accounts.
• Strong knowledge of California Workers’ Compensation regulations and rate environment strongly preferred.
• Bachelor’s degree required; preferred areas include Risk Management, Business Administration, Finance, or related disciplines. Equivalent professional experience will be considered.

Licenses & Certifications:

• Required: Active state Property & Casualty license (California preferred).
• Preferred: CPCU (Chartered Property Casualty Underwriter), ARM, CIC, or other relevant industry designations.