Stop Loss Underwriter - NSM Insurance Group, LLC

Carbon Stop Loss Solutions is a leading managing general underwriter (MGU) in the field of employer stop loss and managed care insurance.

Carbon’s team of experts are known as the industry leader in delivering best-in-class risk solutions to effectively lower healthcare costs. Carbon’s offerings support clients and brokers in a rapidly changing healthcare market with best-in-class service, underwriting, claims support and effective cost containment strategies.

Carbon Stop Loss Solutions is part of NSM Insurance Group, the nation’s leading specialty insurance provider with more than $1.6 billion in premium across 25+ specialty insurance programs and brands in the U.S. and U.K. For more than 32 years, the company has been exclusively focused on building successful insurance programs and continually seeks new opportunities to grow and expand through strategic mergers and acquisitions.

Relationships are paramount at NSM because we know that’s what drives mutual, long-term success. We maintain an entrepreneurial spirit and startup mindset within an established organization that continues to redefine what specialty insurance means and how it impacts everyday lives. Employee are given endless opportunities to expand their interests and skillsets, push breakthrough ideas and take risks. Our open, supportive environment gives employees the confidence to take ownership of their work as if the business was their own.

At NSM, we Build Success every day for our people, carrier partners, agents and insureds — because we know our success is built on yours.

Carbon is looking to add on an Underwriter to the team! Within established authority limits and guidelines, the Stop Loss Underwriter will analyze, and price insurance risks based on factors such as experience, census, plan, and any other factors having a bearing on the risk to be assumed. Within this role you will have the opportunity to develop and maintain relations with marketing personnel, TPAs, brokers, issuing companies and others as appropriate.

• Independently perform underwriting review of cases up to 2000 lives; confer appropriately on watch list groups or those that require peer review.
• Negotiate rates and approve discounts within guidelines; identify and transition larger, more complex cases to consultant or management underwriting level.
• Demonstrate ability to handle cases that are increasingly more complex in terms of risk and size.
• Develop relationships and provide service to assigned TPAs & brokers; analyze assigned TPA and broker portfolios; evaluate quality of business; identify potential opportunities or problems.
• Make independent calls to TPAs/brokers to market products, resolve problems, or enhance relationships.
• Track and monitor quote activity and loss ratios in assigned block of business.
• As directed by management, participate in policy and procedure development.
• Continue HIAA, FLMI or other industry related courses as appropriate.
• Quote cases within established deadlines.

• Minimum 2 years’ experience of MGU or Stop Loss Underwriting.
• Technical knowledge for underwriting level.
• Intermediate to advanced Microsoft Office skills.
• Skillful time management and the ability to manage multiple priorities, deadlines, and interruptions in a high volume.
• Strong math skills, excellent verbal and written communication skills, advanced analytical and decision-making skills.
• Work independently and as part of a team; maintain relationships with external customers.
• Management and growth of assigned block; maintain profitability on both new and renewal business.
• Minimum 2 years’ experience of MGU or Stop Loss Underwriting.
• Technical knowledge for underwriting level.
• Intermediate to advanced Microsoft Office skills.
• Skillful time management and the ability to manage multiple priorities, deadlines, and interruptions in a high volume.
• Strong math skills, excellent verbal and written communication skills, advanced analytical and decision-making skills.
• Work independently and as part of a team; maintain relationships with external customers.
• Management and growth of assigned block; maintain profitability on both new and renewal business.