Workers' Compensation Underwriter - Highview National Insurance

• Medical, Dental, Vision Benefits
• Competitive Compensation
• 401K eligible upon 1st day of employment
• FSA & DCA Accounts
• Career advancement opportunities in an expanding company

Job Summary: Highview National Insurance is an insurance carrier that provides workers’ compensation coverage. We pride ourselves on having an exceptional team environment, with multiple avenues for growth opportunities. The Underwriter for Workers’ Compensation will evaluate insurance applications, analyze risks, and determine the appropriate coverage and premium for workers’ compensation policies. They ensure adherence to underwriting guidelines, assess policy renewals, and maintain relationships with agents and clients.

Essential Job Functions:

• Underwrites and grows a profitable book of business based upon eligibility by review of the HNIC Risk Appetite Guide, loss analysis, exposure analysis, class code, and reinsurance acceptability.
• Reviews Due Diligence reports, Loss control surveys, loss runs, and timeliness of premium payments and takes appropriate action when necessary.
• Collaborates with specialists such as premium auditors, claims adjusters, and loss control engineers for risk assessment.
• Manages and delegates regularly the activities of underwriting assistants including reaction time to compliance issues and requests from internal departments such as claims, loss control, SIU, Policy Issuance, and IT as well as external requests from Agents, Brokers, and Policyholders.
• Presents accounts to management for underwriting approval accompanied by the appropriate underwriting data and recommendations.
• Stays current with rules and regulations, market conditions, and corporate underwriting disciplines utilizing NCCI and State Insurance Department websites.
• Assists the marketing department with presentations, proposals, and visits with Brokers and Policyholders.
• Prepares quotes, proposals, and policy documents for approval and issuance.
• Performs other duties as assigned.

Required Skills/Abilities:

• Ability to exemplify the Highview National core values such as Collaboration, Excellence, Integrity, and Responsiveness.
• Ability to maintain confidentiality of conversations, data records, files, and other vital information.
• Proficiency in interpreting underwriting guidelines and insurance regulations.
• Knowledge of workers’ compensation laws and regulations.
• Proficiency in using underwriting software and Microsoft Office applications.
• Strong planning, multitasking, time management, and customer service skills are critical.
• Strong analytical and decision-making skills.
• Excellent written and verbal communication and interpersonal abilities.
• Attention to detail and accuracy in risk assessment.
• Negotiation and relationship-building skills.
• Adaptability to changing priorities and deadlines.

Education and Experience:

• Minimum five years of commercial insurance experience with at least three years of Workers’ Compensation underwriting individual accounts.
• Certification or coursework in insurance underwriting is an advantage.
• Valid Driver License with a clean driving record.