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Position Description: As a Workers’ Compensation Underwriter at PrestigePEO you’ll be responsible for evaluating and pricing workers’ compensation risk across a diverse portfolio of client companies. You’ll partner closely with sales, implementation, and carrier partners to ensure profitability, compliance, and sustainable growth within the PEO’s workers’ compensation program.

This role combines technical underwriting expertise with relationship management, requiring a keen eye for detail, strong analytical ability, and a collaborative mindset.

Key Responsibilities

+ Risk Assessment: Evaluate potential and existing client companies for workers’ compensation risk exposure, including industry classification, loss history, claims trends, and safety programs.

+ Pricing & Quoting: Develop and recommend pricing based on risk characteristics, experience modifications, and underwriting guidelines.

+ Carrier Liaison: Collaborate with carrier partners to obtain terms, negotiate renewals, and ensure alignment with carrier appetite and underwriting requirements.

+ Portfolio Management: Monitor performance of the book of business, identify trends, and recommend corrective actions to maintain profitability.

+ Compliance & Documentation: Ensure adherence to state regulations, rating bureau rules (NCCI, WCIRB, etc.), and company underwriting policies.

+ Collaboration: Work with internal teams (Sales, Risk, HR, Finance, Claims) to evaluate new business opportunities and provide underwriting guidance during the client onboarding process.

+ Reporting & Analytics: Maintain accurate underwriting records, prepare performance reports, and participate in audits or internal reviews.

+ Continuous Improvement: Recommend enhancements to underwriting processes, risk selection criteria, and technology tools to increase efficiency and profitability.

Qualifications  Required:

+ Bachelor’s degree in Business, Finance, Risk Management, or related field.

+ 3–7 years of experience in workers’ compensation underwriting, preferably within a PEO.

+ Strong understanding of workers’ compensation rating, classification codes, and experience mod factors.

+ Familiarity with multi-state underwriting and regulatory environments.

+ Proficiency in Excel and underwriting/rating software.

Preferred:

+ Knowledge of loss control and claims management processes.

+ Strong carrier and broker relationships.

+ Professional designations such as CPCU, ARM, or WCP (Workers’ Compensation Professional) a plus.

Core Competencies:

+ Analytical and detail-oriented

+ Strong negotiation and communication skills

+ Ability to manage competing priorities and tight deadlines

+ Collaborative and adaptable in a fast-paced PEO environment

+ Commitment to underwriting integrity and profitability

This role is hybrid - 3 days in the office, 2 days work from home.

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