Workers Comp UW KS

About the Role

Our client is seeking a Workers' Compensation Underwriter to profitably underwrite new and renewal business, balance portfolio performance, and deliver an exceptional experience to agents and insureds. You will evaluate risk quality, structure terms, and negotiate pricing using data, judgment, and market insight. This role is ideal for a technically strong underwriter who enjoys owning a book, building agency relationships, and influencing outcomes across the policy lifecycle.

What You'll Do

Portfolio and Risk Selection

• Underwrite new and renewal workers' compensation accounts within delegated authority - assess hazard exposure, operations, financials, loss history, mod trends, payroll/employee dispersion, and safety culture.
• Determine appropriate pricing, terms, and conditions - apply rating plans, schedule credits/debits, and deductible options while meeting profitability and growth targets.
• Maintain underwriting discipline - adhere to guidelines, referral triggers, and reinsurance parameters.

Agency and Client Engagement

• Develop and grow appointed agency relationships across the Kansas City market and surrounding region - drive flow of desirable submissions and improve hit/retention ratios.
• Present underwriting rationale, market positioning, and terms to producers and insureds - negotiate effectively to close business.
• Conduct joint visits and stewardship meetings with safety, claims, and audit to demonstrate value and influence outcomes.

Account Management and Execution

• Lead pre-bind and post-bind activities - coordinate rating, policy issuance, premium audits, and endorsements with internal partners.
• Collaborate with Loss Control to scope service plans, verify implementation, and monitor corrective actions.
• Partner with Claims to review large losses, establish account strategies, and leverage nurse case management and return-to-work programs.

Data, Insights, and Continuous Improvement

• Use analytics - loss modeling, mod projections, frequency/severity analysis, industry benchmarking - to guide decisions and track portfolio health.
• Monitor leading indicators such as payroll class shifts, claim lag time, litigation propensity, and medical cost trends to adjust strategy.
• Contribute underwriting feedback to product, pricing, and guideline updates - share market intel and competitor behavior.

What You'll Bring

Required

• 3+ years of workers' compensation underwriting experience with a carrier, MGA, or program administrator.
• Strong grasp of NCCI class codes, experience rating/mods, premium development, and state-specific rules.
• Demonstrated success meeting or exceeding new business, retention, and loss ratio goals.
• Analytical fluency with loss runs, unit stat data, and exposure bases - comfort with Excel or BI tools.
• Clear, professional communication - written and verbal - with credible negotiation skills.
• Valid driver's license and ability to travel regionally for agency and client meetings.

Preferred

• Bachelor's degree in risk management, insurance, business, or related field.
• Professional designations - AU, AINS, CPCU, ARM, or WCP - or progress toward them.
• Experience partnering with Safety/Loss Control and Claims to improve outcomes on mid-market accounts.
• Familiarity with predictive underwriting tools and workflow systems.

The Business You'll Write

• Segment: Small to mid-market - typical premiums $10K to $250K; occasional larger opportunities by referral.
• Industries: Broad appetite across construction, light to heavy manufacturing, distribution, healthcare, retail, hospitality, professional services, and public entities as applicable to guidelines.
• Territory: Focus on Kansas City and surrounding regional markets, with the ability to consider multi-state exposures per company policy.