POSITION SUMMARY
ASI is seeking a seasoned, mission-driven Senior Underwriter to join our specialized team. This is a high-impact role responsible for evaluating complex professional liability risks, developing sound coverage and pricing strategies, and ensuring the long-term financial integrity of ASI's insurance programs — purpose-built to protect the social work community. Operating within the framework of a Risk Retention Group (RRG), the Senior Underwriter will bring deep technical expertise, an active insurance producer license, and a genuine commitment to the populations we serve. The ideal candidate combines rigorous analytical discipline with a consultative approach and thrives in a mission-aligned, collaborative environment.
ESSENTIAL JOB FUNCTIONS & KEY OUTCOMES
1. Risk Evaluation & Underwriting Decision-Making
- Review, analyze, and make binding decisions on applications for professional liability, general liability, and related insurance products submitted by social workers, behavioral health professionals, agencies, and other eligible program participants.
- Conduct thorough risk assessments evaluating practice areas, prior claims history, licensure and regulatory standing, jurisdictional exposure, and compliance with RRG program guidelines.
- Apply senior-level judgment to accept, modify, decline, or non-renew risks in accordance with underwriting authority and established program parameters.
- Serve as an internal subject-matter expert and technical resource for junior underwriting staff and cross-functional teams.
2. Risk Retention Group (RRG) Program Oversight
- Maintain deep working knowledge of RRG regulatory requirements, including multi-state compliance obligations, domicile state regulations, and LRRA (Liability Risk Retention Act) requirements.
- Partner with ASI leadership, legal counsel, and actuarial resources to ensure the RRG's underwriting book remains financially sound, adequately priced, and compliant.
- Participate in RRG board reporting, loss development reviews, and reserve analysis discussions as required.
- Monitor overall portfolio performance; identify emerging risk trends and recommend program adjustments to maintain underwriting profitability.
3. Coverage Determination & Policy Administration
- Recommend and document policy terms, coverage limits, exclusions, endorsements, and premium structures appropriate to each applicant's practice profile and exposure level.
- Collaborate with carrier partners, reinsurers, and third-party administrators to maintain alignment on rating methodology, underwriting guidelines, and treaty requirements.
- Prepare, issue, and quality-review quotes, policy changes, endorsements, and renewals with accuracy and within established service timeframes.
- Ensure all policy documentation meets regulatory and compliance standards across applicable jurisdictions.
4. Customer Engagement & Consultative Support
- Provide authoritative consultative guidance to internal customer service, sales, and operations teams on complex underwriting scenarios, eligibility questions, and coverage interpretations.
- Engage directly with applicants, policyholders, and association partners to clarify underwriting decisions, gather documentation, and deliver clear, respectful explanations.
- Develop and deliver risk management education — including best practices for liability mitigation — tailored to social work professionals and organizations.
5. Data Integrity, Reporting & Process Improvement
- Maintain precise and complete records of underwriting decisions, risk documentation, and policy transactions in ASI's systems of record.
- Produce regular underwriting reports and analytics to support leadership decision-making, board reporting, and regulatory filings.
- Identify and champion opportunities to streamline underwriting workflows, reduce turnaround times, and improve quality controls.
- Contribute to the development and maintenance of underwriting manuals, rating tools, training materials, and procedural documentation.
6.Industry Intelligence & Regulatory Awareness
- Monitor legal, regulatory, and industry trends affecting professional liability exposure for social workers and behavioral health providers.
- Track legislative changes, licensure developments, and claims patterns that may require program adjustments.
- Collaborate with ASI leadership to evolve underwriting strategy in response to the changing landscape of social work practice and liability risk.
EDUCATION, EXPERIENCE & QUALIFICATIONS
Education
- Bachelor's degree in Business, Insurance, Risk Management, Finance, or a closely related field (required).
- Advanced degree (MBA, MS in Risk Management) or professional designation (CPCU, AU, ARM, CIC) strongly preferred.
Licensure
- Active Property & Casualty (P&C) insurance producer license required; multi-state licensing preferred.
- Must maintain all required licenses in good standing; willingness to obtain additional state licenses as business needs require.
Experience
- 7+ years of progressive underwriting experience, with a minimum of 3 years in professional liability, errors & omissions (E&O), or healthcare/allied health liability lines.
- Demonstrated experience underwriting within a Risk Retention Group (RRG) framework, including familiarity with LRRA regulations, domicile state requirements, and RRG governance structures.
- Track record of managing a book of business independently and making high-quality risk selection decisions within delegated underwriting authority.
- Experience collaborating with actuarial, legal, and claims teams in a program or specialty insurance environment.
- Knowledge of social work, behavioral health, or allied health professions is highly desirable; experience insuring non-profit or association-sponsored programs is a strong plus.
Skills & Competencies
- Advanced analytical and risk assessment capabilities with strong quantitative reasoning.
- Excellent written and verbal communication skills; able to clearly articulate underwriting rationale to diverse audiences.
- High degree of accuracy, attention to detail, and organizational discipline.
- Proficiency with insurance policy administration systems, rating platforms, and CRM tools.
- Ability to manage competing priorities and complex workloads with autonomy and professional accountability.
- Collaborative team player who thrives in a mission-driven, people-first culture.
- Deep commitment to the values of social responsibility, equity, and service to vulnerable populations.
WORKING CONDITIONS
This is a full-time, exempt position. Work is primarily performed in a professional office or remote/hybrid environment. Occasional travel may be required for team meetings, industry conferences, or regulatory engagements. The role requires the ability to work independently under minimal supervision while meeting deadlines and maintaining high-quality standards.
