Senior Workers' Compensation Underwriter – Eastern States ( Remote)
About The Position
At Insurate, we're building a modern workers' compensation platform rooted in underwriting excellence, strong agency partnerships, and profitable growth. We believe the best underwriting decisions come from experienced professionals empowered with the right tools, collaborative teammates, and the autonomy to do what they do best. We're looking for a Senior Workers' Compensation Underwriter – Eastern States to help grow our middle market portfolio, strengthen agency partnerships, and shape the continued evolution of our underwriting organization. This is more than a production underwriting role. You'll be trusted to make sound underwriting decisions, collaborate directly with leadership, influence underwriting processes, and help drive profitable growth. If you're an experienced underwriter who enjoys analyzing complex risks, partnering with agents, and working in an entrepreneurial environment where your ideas matter, we'd love to hear from you.
Requirements
- 5+ years of Workers' Compensation underwriting experience
- Strong expertise underwriting Eastern States workers' compensation business including PA, NJ, DE
- Demonstrated success underwriting middle market accounts
- Experience underwriting: High Hazard Operations, Construction risks, multi-state and multi-entity exposures, Guaranteed cost and Deductible Programs
- Strong analytical and decision-making skills with the ability to confidently communicate and support underwriting decisions
- Excellent communication skills with brokers, agency partners, and executive leadership
- Self-motivated with the ability to work independently in a remote environment
- Comfortable balancing multiple priorities in a fast-paced, growth-oriented organization
- Collaborative, solutions-oriented mindset with a desire to continuously improve processes and help those around you succeed
Nice To Haves
- Existing relationships and experience with agencies throughout the Eastern region are highly desirable.
Responsibilities
- Underwriting and managing an Eastern States-focused middle market portfolio, including accounts ranging from $50,000 to $1M+ in annual premium
- Underwriting nationwide workers' compensation business submitted through agency partners
- Evaluating and structuring both guaranteed cost and deductible programs
- Performing comprehensive underwriting analysis, including Operational and exposure review, classification and payroll validation, experience modification analysis, loss run and claim narrative review
- Developing thoughtful underwriting positions, pricing strategies, coverage terms, and referral documentation
- Collaborating with Claims on complex accounts and open claim reviews
- Building strong relationships with agency partners through responsive communication and sound underwriting expertise
- Partnering with Business Development Executives to evaluate opportunities, provide underwriting guidance, and support profitable agency growth
- Collaborating with the MGA Program Director on program strategy, agency development, and portfolio management initiatives
- Identifying opportunities to improve underwriting workflows, operational processes, and overall efficiency
- Contributing ideas that strengthen underwriting quality while supporting profitable company growth
Benefits
- Comprehensive medical, dental, and vision insurance
- 401(k) Plan
- Paid Time Off
- Reimbursement for Internet and phone, up to $150/month
- Equity Participation: Every Insurate employee participates in our equity program, giving you a meaningful stake in the company's long-term success.
- Remote-first work environment that supports flexibility and work-life balance
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What This Job Offers
Job Type
Full-time
Career Level
Senior
Education Level
No Education Listed
