Public Entity Underwriting Associate

Safety National; St. Louis (MO); Hybrid; USD 61,000 - 94,000; Full time

Benefits offered by this job

Health, dental, vision coverage

401(k) retirement matching

Profit sharing

Paid time off

Hybrid work environment

Life insurance

Job summary

Safety National in Saint Louis, MO is seeking an Underwriter for our Public Entity Practice to evaluate and underwrite multi-line public entity business, building broker and client relationships, and delivering profitable quotations.

You will analyze submissions, review financial and loss data, determine retention levels and pricing, negotiate coverage terms, and collaborate with Claims, Business Development, and Exposures teams to craft solutions that support growth and customer success.

Qualifications

• Experience evaluating commercial insurance risks and applying sound underwriting principles.
• Strong analytical skills with the ability to interpret financial statements, loss experience, claims information, and exposure data.
• Presently authorized to work in the U.S. without sponsorship.
• Hybrid work schedule with a minimum of 3 days per week in the St. Louis office.

Responsibilities

• Evaluate underwriting submissions for complex public entity risk.
• Review financial data, loss experience, and exposure to determine pricing and retention.
• Negotiate coverage terms and limits with brokers and clients.
• Collaborate with Claims, Business Development, and other teams to develop solutions.

Skills

Underwriting experience

Analytical skills

MS Office

Communication skills

Education

Bachelor's degree in Business, Risk Management, Insurance, Finance, or related field

Job description

Company Headquarters Saint Louis, MO 63146, USA

• Hybrid
• Full-Time
• Requisition #: PUBLI002749

Description

At Safety National, we don’t just offer jobs – we build careers with purpose! Since 1942, we’ve been an industry leader, valuing integrity, teamwork, and stability while providing competitive rewards, top-tier benefits, career growth opportunities, and flexible work options that promote balance. With tuition reimbursement, wellness perks, and a strong community impact, we invest in your success—both personally and professionally.

This opportunity is in the Insurance Underwriting Department.

The Insurance Underwriting Department offers a culture of empowerment to produce results and resolve clients’ issues. Our team has an excellent track record of success with an experienced and creative group of people that work well together while underwriting various lines of coverage for large accounts representing numerous industries.

Role Description:

As an Underwriter on our Public Entity Practice team, you will play a key role in evaluating and underwriting new and renewal multi-line public entity business while building strong relationships with brokers, risk managers, and internal business partners. Working closely with your manager and mentor, you will analyze complex risks, develop competitive and profitable quotations, and contribute to the continued growth of our Public Entity portfolio. This collaborative role offers the opportunity to deepen your underwriting expertise while partnering with Claims, Business Development, and Excess Workers' Compensation teams to deliver creative solutions and exceptional service to our customers. You will evaluate underwriting submissions, review financial and loss information, determine appropriate retention levels, pricing, and policy terms, and negotiate acceptable coverage solutions. You'll also help identify new business opportunities, strengthen broker relationships through cross-selling initiatives, and represent Safety National at industry events while supporting the achievement of departmental production and profitability goals.

Qualifications:

Education

• Bachelor's degree in Business, Risk Management, Insurance, Finance, or a related field is preferred. Equivalent insurance industry experience will also be considered.

Required Qualifications:

• Experience evaluating commercial insurance risks and applying sound underwriting principles.
• Strong analytical skills with the ability to interpret financial statements, loss experience, claims information, and exposure data.
• Presently authorized to work in the U.S. without a requirement for work authorization sponsorship by our company for this position now or in the future.
• This position allows for a hybrid work schedule which includes minimum of 3 days per week in our St. Louis Corporate Office, located at 1832 Schuetz Rd. Saint Louis, MO. All employees are required to submit work from home requests and follow our Work From Home policy, which will be provided to all candidates selected to interview.
• Ability to assess pricing, retention levels, policy terms, and coverage structures for complex accounts.
• Excellent verbal and written communication skills with the ability to effectively negotiate and build relationships with brokers, clients, and internal business partners.
• Proficiency with Microsoft Word, Excel, and Outlook.

Preferred Qualifications

• Bachelor's degree in Business, Risk Management, Insurance, Finance, or a related field.
• Professional insurance designations such as AINS, CIC, AU, or similar.
• Experience underwriting public entity business, self-insured groups, or large retention casualty accounts.
• Knowledge of public entity exposures, risk management practices, and the excess casualty marketplace.
• Experience collaborating with claims, business development, and underwriting teams to develop comprehensive insurance solutions.
• Experience identifying new business opportunities and managing broker relationships.

Protect the confidentiality, integrity and availability of information and technology assets against unauthorized disclosure, destruction and/or alteration, in accordance with Safety National policies, standards, and procedures.

Safety National is a leading specialty insurance and reinsurance provider. Our culture is built upon relationships, which allow us to demonstrate our expertise gained through our rich 80-year history. As a wholly-owned subsidiary of Tokyo Marine, Inc., we appreciate the benefits and support provided by our affiliation with one of the top 10 insurance companies in the world.

Total Rewards That Put Employees First

In our vision to be First with Co-Workers, compensation that includes base salary, holiday bonus, and incentive awards is only a small portion of the comprehensive total rewards package we offer. Our total rewards approach recognizes and rewards the time, talents, efforts, and results of our valued employees.

• generous health, dental, and vision coverage
• health savings accounts
• 401(k)-retirement savings match
• annual profit sharing contribution
• family forming benefits for adoption, fertility, and surrogacy
• generous paid time off
• paid holidayspaid parental and caregiver leave
• hybrid work environment
• company-paid life insurance and disability
• professional growth and development opportunities
• employee recognition and well-being programs

Safety National is committed to fair, transparent pay and we strive to provide competitive, market-based compensation. In our vision to be First with Co-Workers, compensation is only one piece of the comprehensive total rewards package we offer.

The target base salary range for this position is $61,000 to $94,000. Compensation for the successful candidate will consider the candidate’s particular combination of knowledge, skills, competencies, experience and geographic location.

#LI-Hybrid

Equal Opportunity Employer

This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.