Public Entity Underwriting Associate

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

Benefits offered by this job

Health insurance

Dental coverage

Vision coverage

401(k) matching

Profit sharing

Hybrid work environment

Life insurance

Disability insurance

Job summary

Safety National is seeking an Underwriter for the Public Entity Practice in St. Louis, MO.

You will evaluate submissions, analyze financial and loss data, and determine retention levels, pricing, and policy terms, while negotiating products and services for complex public entity accounts. You will collaborate with Claims, Business Development, and excess teams to deliver creative solutions and exceptional service to customers, maintaining broker relationships and pursuing new business

Qualifications

• Bachelor's degree in Business, Risk Management, Insurance, Finance, or related field preferred.
• Experience evaluating commercial insurance risks and applying underwriting principles.
• Strong analytical skills interpreting financials, loss data, and exposure.
• Authorized to work in the U.S. without sponsorship now or in the future.
• Hybrid schedule with a minimum 3 days/week in Saint Louis, MO office.
• Ability to assess pricing, retention levels, terms, and coverage structures for complex accounts.
• Excellent verbal and written communication; negotiate with brokers/clients.
• Proficiency with Word, Excel, and Outlook.

Responsibilities

• Evaluate underwriting submissions and review financial/loss data to determine pricing and retention.
• Develop competitive and profitable quotations while negotiating coverage terms.
• Build and strengthen broker relationships and cross-sell opportunities.
• Identify new business opportunities and represent Safety National at industry events.
• Collaborate with Claims, Business Development, and Excess Workers' Compensation teams to deliver solutions.
• Support production and profitability goals for the Public Entity portfolio.

Skills

Underwriting

Commercial insurance

Analytical skills

Pricing strategy

Broker relationships

Communication

MS Office

Education

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

Equivalent insurance industry experience

Tools

Microsoft Word

Microsoft Excel

Microsoft Outlook

Job description

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.

• 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 a 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

• 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.

Total Rewards

We offer a comprehensive total rewards package including competitive base salary, holiday bonus, and incentive awards. Benefits include generous health, dental, and vision coverage, health savings accounts, a 401(k)‑retirement savings match, and annual profit sharing. We also provide family‑forming benefits for adoption, fertility, and surrogacy; generous paid time off and paid holidays; paid parental and caregiver leave; a hybrid work environment; and company‑paid life insurance and disability. Professional growth, development opportunities, employee recognition, and well‑being programs are also available.

Compensation

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.