Workers’ Compensation Underwriter

AboutUs

Simply put, our mission is to simplify the employment challenges of business, and it has been since 1998, when we started eEmployersSolutions, Inc. (eESI) as a licensed Professional Employer Organization (PEO). We are a privately held company with headquarters in San Antonio, Texas. We are seeking a Strategic Business Consultant to join our team.

OurCulture

The cornerstone of our culture is our people. Our culture is reinforced by our core values of integrity, service excellence, agile innovation, tenacity, and mastery of craft. At ESI, we provide opportunities to build strong connections, career development, engagement, and fun.

Work/Life Balance

We believe in the overall well-being of our team members and encourage time away to recharge, volunteer, and give back to our communities.

Position Summary

The Workers’ Compensation Underwriter is primarily responsible for evaluating, approving, and providing guidance on workers’ compensation exposures for new and existing PEO clients. Operating independently within defined authority limits, this role analyzes payroll, classifications, loss history, and operational hazards to ensure underwriting decisions align with company standards, regulatory requirements, and profitability objectives.

In addition to underwriting responsibilities, this position provides operational support to the workers’ compensation program, including claims monitoring, compliance reporting, and stakeholder communication. The ideal candidate is analytical, resourceful, and creative, with the ability to make independent decisions while collaborating across the risk and claims teams.

Essential Job Duties and Responsibilities

• Evaluate new business submissions and renewal accounts to determine eligibility and exposure within underwriting guidelines.
• Approve coverage, provide general quotes, and operate independently within defined binding authority.
• Analyze payroll, classifications, worksite operations, and loss history to assess risk quality and compliance.
• Identify operational hazards and recommend risk mitigation strategies prior to approval.
• Review class codes, rates, and premium accuracy to ensure proper underwriting and profitability.
• Prepare and support carrier submissions, including gathering required documentation and responding to underwriting inquiries.
• Collaborate with sales, service, and Risk team members to obtain operational details necessary for risk assessment.
• Conduct classification audits and verify accuracy for premium and exposure purposes.
• Review top loss drivers and recommend corrective underwriting actions or operational improvements.
• Provide guidance and risk analysis to support claims management and loss control initiatives.
• Maintain accurate policy records, including positions, worksite locations, coverage updates, and terminations.
• Assist in injury reporting compliance, including OSHA 300 and 300A logs, as needed.
• Produce EMR letters, loss runs, and Certificates of Insurance to support client and carrier requirements.
• Participate in program audits and internal reviews to ensure operational and regulatory compliance.
• Serve as a point of contact for internal and external stakeholders regarding underwriting, risk evaluation, and program questions.
• Cross-train within the Risk department to provide continuity and operational support as required.
• Support new client implementation and onboarding within the workers’ compensation program.
• Identify opportunities to improve underwriting processes, efficiency, and overall program performance.
• Maintain knowledge of state regulations, PEO-specific exposures, and industry trends to inform underwriting decisions.
• Demonstrate professionalism, confidentiality, and adherence to organizational core values in all interactions.

Ideal Candidate

• Strong understanding of workers’ compensation underwriting principles and classification systems.
• Ability to evaluate risk exposure, loss trends, and operational hazards with independent judgment.
• Creative problem-solving and analytical thinking to support underwriting and operational decisions.
• Strong written and verbal communication skills, including the ability to explain underwriting decisions to clients and internal teams.
• Ability to manage multiple priorities in a fast-paced, deadline-driven environment.
• Knowledge of OSHA reporting requirements and PEO-specific compliance considerations.
• Proficiency in CRM systems and Microsoft Office applications.
• Bachelor’s degree in Risk Management, Insurance, Business, or related field preferred.
• 2–5 years of workers’ compensation underwriting, risk management, or related experience; PEO experience strongly preferred.
• Experience with classification audits, payroll review, and exposure analysis required.
• Professional designations (AU, CPCU, IIA) are a plus.
• Bilingual English/Spanish preferred, but not required.

Benefits and Perks

• Company contributions to medical, dental, $50,000 Basic Life Insurance, and Virtual Health.
• Paid time off and paid volunteer time off
• Company match to 401k
• Voluntary benefits include: Vision, Short-term disability, Long-term disability, Hospital Indemnity, Critical Illness, Legal, Pet Insurance, Christmas Club, Vacation Club, and more.

EOS

We run our business on the Entrepreneurial Operating System (EOS). We are committed to having a healthy, focused leadership team and organization that makes continual progress toward achieving everything in our vision.