Director, Large Deductible

Role Description

The Director, Large Deductible is a senior leadership role responsible for building and running a high-performing large deductible workers’ compensation practice at EMPLOYERS. This is not a role for someone looking to maintain a steady state. It’s an opportunity for a motivated, forward-thinking professional to shape a critical program at a company in active, ambitious growth.

At its core, this role owns the full lifecycle of EMPLOYERS’ large deductible programs:

• Program design
• Underwriting
• Loss fund administration
• Collateral management
• Financial analysis
• Regulatory compliance

The Director serves as the internal subject matter expert and primary point of accountability for LD program performance, client relationships, and operational quality. Success in this role requires someone who takes initiative, thinks several steps ahead, holds themselves and their work to a high standard, and brings the flexibility to adapt as the business evolves.

This leader will partner closely with Underwriting, Finance, Actuarial, Legal, and Account Management and will be expected to engage credibly with senior leadership, large account clients, and broker partners alike.

Qualifications

• Bachelor’s degree in Business, Finance, Risk Management, or a related field; or equivalent professional experience.
• 7+ years of progressive experience in workers’ compensation, with meaningful exposure to large deductible program management.
• Demonstrated knowledge of LD product structures, loss fund mechanics, collateral administration, and aggregate stop-loss arrangements.
• Experience in management, or program administration environment strongly preferred.
• Comprehensive knowledge of workers’ compensation regulatory requirements across multiple jurisdictions.
• Strong financial and analytical skills, including experience building and interpreting loss projection and reserve adequacy models.
• Excellent written and verbal communication skills; ability to translate complex program mechanics for both technical and non-technical audiences.
• Demonstrated track record of taking initiative and delivering results independently.
• Brings a flexible, adaptable approach to a role where priorities shift and the work continues to evolve.

Requirements

• Advanced degree (MBA, MPA) or professional designations (CPCU, ARM, ARe, CPA) relevant to insurance or risk management.
• Experience with captive insurance structures and fronting carrier arrangements.
• Familiarity with reinsurance treaties and quota share/excess of loss structures applicable to program business.
• Prior experience in a leadership or people management capacity.
• Has sought out and applied technology, including data analytics or AI-enabled tools, to improve the quality or efficiency of their work.

Benefits

• Salary Range: $120,000 - $180,000
• Comprehensive benefits package.

Company Description

As a dynamic, fast-growing provider of workers' compensation insurance and services, we are seeking a goal-oriented individual willing to put their ideas to work!

We offer a positive, challenging work environment, combined with an opportunity to build your career as you help us grow our business, in innovative and imaginative ways that are uniquely EMPLOYERS!

Headquartered in Nevada, EMPLOYERS attributes its long-standing success to its most valuable resource, our employees across the United States. EMPLOYERS is known for the quality service and expertise we provide to our clients, and the exemplary work environment we provide for our employees.

We live and breathe our core values: Integrity, Customer Focus, Collaboration, Initiative, Accountability, Innovation, and Personal Fulfillment. These are the pillars that support how we do business with our clients as well as how we treat each other!

At EMPLOYERS, you’ll discover an energetic environment that inspires top achievement. As “America’s small business insurance specialist”, we have the resources, a solid reputation and an expanding nationwide identity to enrich your work/life and enhance your career.