Senior Program Underwriter

Acrisure•Knoxville, TN

3d•Onsite

About The Position

The Senior Program Underwriter underwrites and manages workers’ compensation accounts within Wholesure’s program portfolio. The role evaluates risk, determines pricing and coverage, maintains underwriting discipline, and supports profitable program growth. It also serves as a resource for other team members and helps maintain relationships with agents, carrier partners, and internal departments. The position manages an assigned book of business, communicates and negotiates underwriting decisions, maintains complete account documentation, and monitors post-bind requirements. It works with internal teams on account issues, keeps current with workers’ compensation rules and market conditions, and supports carrier audits, reporting, training, workflow improvements, and special projects. Candidates should be comfortable with an on-site presence to support collaboration, team leadership, and cross-functional partnership.

Requirements

Strong knowledge of workers’ compensation underwriting principles, classifications, rating, coverage, and regulatory requirements.
Demonstrated ability to evaluate complex risks, exercise sound underwriting judgment, and manage an assigned book of business within established authority.
Strong analytical, organizational, communication, and relationship-management skills, with the ability to work effectively with agents, carrier partners, and internal teams.
Minimum of 5 years of workers’ compensation underwriting experience, including experience independently underwriting and managing a book of business.
Bachelor’s degree in business, insurance, risk management, or a related field preferred; equivalent insurance industry experience will be considered.

Nice To Haves

Professional insurance designation such as CPCU, ARM, AU, or similar designation preferred but not required.
Bachelor’s degree in business, insurance, risk management, or a related field preferred.

Responsibilities

Review, analyze, and underwrite new and renewal workers’ compensation submissions within established carrier guidelines and delegated authority.
Evaluate exposures, loss history, experience modification factors, classifications, payroll, operations, financial condition, and other relevant risk characteristics.
Determine appropriate pricing, terms, conditions, deductibles, and coverage requirements.
Approve, decline, or modify risks based on underwriting judgment and program appetite.
Manage an assigned book of business with a focus on profitability, retention, production, and service.
Communicate underwriting decisions clearly and promptly to agents and brokers.
Negotiate terms while maintaining program standards and carrier expectations.
Ensure underwriting files are complete, accurate, and properly documented.
Monitor outstanding subjectivities, inspections, loss-control recommendations, audits, and other post-bind requirements.
Work with premium audit, claims, accounting, compliance, and operations to resolve account issues.
Maintain knowledge of workers’ compensation rules, classifications, filings, regulatory requirements, and market conditions.
Assist with carrier audits, underwriting reviews, and program reporting.
Identify trends or emerging issues and escalate material concerns to program leadership.
Provide technical guidance and support to underwriters and underwriting assistants.
Participate in training, workflow improvements, and special projects as assigned.