Underwrite complex WC program and large account referrals end-to-end (exposures, losses, structure, and pricing recommendations).
Use internal pricing tools, actuarial input, and financial analysis to recommend sound pricing, terms, and structures (e.g., deductibles, large deductibles, dividends, alternative risk).
Assess jurisdictional risk (e.g., CA, NY, FL and other challenging venues) and incorporate severity, ALAE, CT, and regulatory nuances into your decisions.
Monitor a defined slice of the WC program portfolio (loss ratio, growth, retention, mix), surfacing trends and recommending corrective actions.
Serve as a primary WC underwriting contact for assigned program administrators / MGUs and MGAs, shaping submission quality, data, and expectations.
Partner with Finance, Actuarial, Claims, Risk Control, and Operations to align on risk quality, loss drivers, collateral, and improvement plans.
Model disciplined documentation and communication, including clear system notes and concise leadership-ready summaries.
Analyzes program manager relationships/results and recommends corrective actions if necessary. Understands business needs and identifies new business opportunities.
Requirements
7+ years of workers compensation experience (underwriting or similar), with a strong preference for program, large risk, or high-hazard WC.
Proven ability to underwrite complex, multi-state WC risks and to use data, models, and financial information to support your judgment.
Strong working knowledge of WC coverages, rating plans, and state-specific requirements; designations such as AU, ARM, CPCU, (or in progress) are a plus.
Clear, confident communication skills - able to translate technical insight into practical guidance for leadership, program partners, and brokers.
A disciplined, portfolio-minded approach that balances growth, profitability, and volatility.
*This role does not qualify for employer-sponsored work authorization. Nationwide does not participate in the Stem OPT Extension program*
#LI-CL1
#LI-Remote
Job Description Summary
Job Description
Benefits
Remote work options
Additional Information
If you're passionate about helping people protect what matters most to them at a Fortune 100 company with nearly $70 billion in annual sales, as well as innovating and simplifying processes and operations to provide the best customer value, then Nationwide's Property and Casualty team could be the place for you! At Nationwide®, "on your side" goes beyond just words. Our customers and partners are at the center of everything we do and we're looking for associates who are passionate about delivering extraordinary care.
We're looking for a technically strong workers compensation underwriter to help steer a growing portfolio of WC programs. You'll be the go-to expert for complex WC referrals and program questions, directly impacting profitability, volatility, and partner experience across our book.
Nationwide · Iowa - Des Moines, 1100 Locust Street