POSITION SUMMARY
The Senior Workers’ Compensation Underwriter plays a pivotal role in the growth and profitability of Insurate’s middle market portfolio, with a primary focus on California business. This position encompasses a range of responsibilities including underwriting and managing middle market workers’ compensation accounts, evaluating and structuring guaranteed cost and large deductible programs, analyzing submissions end-to-end, and collaborating with internal and external partners to support sound underwriting decisions and profitable growth.
The ideal candidate will have strong California workers’ compensation expertise, be analytical and detail-oriented, possess sound underwriting judgment, and be able to work in a remote-first team environment. This individual should be comfortable underwriting multi-state risks confidently and independently.
Essential Duties and Responsibilities
- Underwrite and manage a California-focused middle market book, including accounts ranging from $100K to $1M+ in premium.
- Underwrite nationwide business submitted through agency partners.
- Evaluate and structure guaranteed cost and large deductible programs.
- Analyze submissions end-to-end, including operations and exposure review, classification and payroll validation, experience mod analysis, and loss runs and claim narratives.
- Develop clear underwriting positions including pricing rationale, terms, and referral documentation.
- Collaborate with Claims and Loss Control on open file reviews.
- Identify opportunities to improve underwriting workflow, operational gaps, and process efficiency.
Qualifications
- 5+ years of Workers’ Compensation underwriting experience
- Strong California WC expertise
- Demonstrated success underwriting middle market accounts
- Demonstrated success underwriting General Contractors and construction risks
- Demonstrated success underwriting multi-entity or multi-state risks
- Demonstrated success underwriting guaranteed cost and deductible programs
- Strong analytical skills with the ability to defend pricing decisions
- Comfortable communicating directly with brokers and leadership
- Strong team mindset and collaborative approach
- Ability to take initiative, raise questions, provide feedback, and help close operational gaps
- Adaptable and flexible in a fast-moving, growth-stage environment
Performance Indicators
- Profitability and growth of assigned middle market book of business
- Timely and sound underwriting decisions
- Accuracy and consistency of pricing rationale, terms, and referral documentation
- Effective evaluation of California-focused and multi-state workers’ compensation risks
- Successful collaboration with Claims and Loss Control on open file reviews
- Identification and improvement of underwriting workflow, operational gaps, and process efficiency
- Demonstrated ability to manage complex middle market accounts with underwriting discipline
Compensation and Benefits
- Competitive compensation and benefits package including health insurance, dental insurance, vision insurance, 401(k) plan, and paid time off.
- Meaningful participation in Insurate’s equity program. All Insurate employees are part owners of the company.
Additional Information
- Remote-First Workplace: At Insurate, we recognize the importance of providing a flexible and inclusive work environment that allows our employees to thrive while maintaining a healthy work-life balance.