Key Risk is looking for an enthusiastic individual who wants to learn our underwriting appetite and approach.  The training program will include shadowing territory underwriting managers in performance of their tasks and visits with agents to observe their interactions.  Another component of the training plan includes rotation assignments with various departments, including risk management, claims, compliance and corporate marketing to understand how these departments work together to achieve the best level of service and outcomes for the client and Key Risk.     Key functions include but are not limited to the following: - Frequent interaction with agents, policyholders, and insurance rating organizations as necessary, to give and receive information, to market business, and to make presentations to promote company business and image. - Frequent interaction with Client Service Executives, Risk Management Specialists, Regional Vice Presidents, IT staff, Policyholder Services Representatives, Premium Auditors, other Underwriters and functional areas as needed to give and receive information or to provide instruction and solve problems. - Actively involved in development, such as pursuit of professional designations. - Successful completion of training plan.

The Claims Professional is responsible for the analysis and management of workers’ compensation claims for assigned clients, including minor and complex claims.  This position will review, investigate, and make decisions regarding coverage, compensability, and appropriateness of claims.  The position will process and document claims to ensure compliance with company standards, industry best practices, and legislative provisions. Acts in a fiduciary role on behalf of policyholders and negotiates claim settlements. Claims Professionals conduct the handling of claims in the utmost of good faith in compliance with the rules, regulations and state statutes. Experience and the degree to which a claim professional can work independently to make sound decisions, reserve recommendations and drive outcomes will determine the hiring position, ranging from a Claim Representative I to a Senior Claim Representative. The Claims Professional is expected to function with a high degree of competency and independence. The use of sound judgment coupled with strong technical claim handling skills and consistent results are expected.    Key functions include but are not limited to the following:   - Analyzes and processes workers’ compensation claims by investigating and gathering information to determine the exposure on the claim. - Negotiate settlement of claims up to designated authority level and makes claims payments. - Calculates and assigns timely appropriate reserves to claims and continues to manage reserve adequacy throughout the life of the claim. - Calculates and pays benefits due; approves all claim payments; and settles claims within designated authority level. - Develops and manages claims though well-developed action plans; continues to work the action plan to bring the claim to an appropriate and timely resolution. - Prepares necessary state filings within statutory limits. - Actively manages the litigation process; ensures timely and cost-effective claims resolution. - Coordinates vendor referrals for additional investigation and/or litigation management. - Uses appropriate cost containment techniques including strategic vendor partnerships to reduce overall cost of claims. - Frequently communicates with all appropriate parties involved with the claim. - Maintains professional client relationships. - Actively executes appropriate claims activities to ensure consistent delivery of quality claims services.

The Client Experience Representative role focuses on the overall client experience at Key Risk and serves as a workers compensation client liaison. Through strategic planning and the development of target resources, this role is responsible for aligning services to meet the needs of both new and existing accounts. This position includes daily account management tasks focused on ensuring seamless and continuous support.   Primary responsibilities include providing employers and agents with ongoing communications on their workers compensation programs inclusive of claim correspondence, addressing service success/issues and maintaining appropriate documentation and account records. Actively participate in creating and supporting safety and risk management plans to maintain profitable client accounts and proactively apply business strategies to achieve department and corporate goals.   Principle Responsibilities - Participate in the client risk management process, identify and support opportunities to enhance client management of occupational risk. - Provide technical and business management support to Key Risk clients and business units with a focus on reducing incidents and total indemnity cost to improve workplace safety and health. - Virtual training and support, including required safety committee initial and renewal training. - Scheduling and meeting preparation assistance to Client Experience leadership team for necessary onsite client services and meetings Immediately notify management of large exposures and comply with reinsurance reporting requirement. - Provide risk analysis support to Key Risk Underwriting by evaluating the quality of risks and improving account performance. Develop and implement systems and processes that ensure compliance with Key Risk requirements and guidelines. - Monitor updates relative to safety and health laws and regulations. Support compliance with state regulations and annual filings. - Identify potential occupational risk elements and assist in development of alternative solutions. - Evaluate client progress to ensure expectations are being met. - Design practices, processes, and procedures that are effective, understandable and repeatable for client accounts. - Client Onboarding/Service Plan Management - Welcome Call / Orientation – schedule and conduct meaningful orientations with new policyholders - Provide claim reporting information and service plan for policy term - Address questions on PremiumSync/Billing setup - Introduction and training on the Client Portal - Provide support in policy setup to include department and location coding - Support renewal preparation through action items identified in the service plan - Account Management Responsibilities - Liaison with client's claims representative(s) - Provide claim reviews in alignment with insured service plan - Ensure panels are up-to-date (where applicable) - Manage VirtualMD+ utilization - Manage In-network Provider utilization - Promotes Transitional Duty programs - Leverage and promote additional resources for client program success - Maintaining client contract records *This position may be a remote opportunity.

The Policy Services and Licensing Representative is responsible for maintaining all aspects of agent/producer licensing and appointments, agency database and file maintenance, contract support, and compliance of state and regulatory requirements. Includes client support to monitor and resolve related agency needs. The representative ensures timely and quality service to underwriters and agents by processing policy and customer service related documents and endorsements for commercial accounts within the service guidelines established. May participate in screening and quoting commercial accounts within the authority levels established.  The role monitors the accuracy of the Key Risk systems by ensuring compliance with regulatory filings, company guidelines and operational accuracy of the system output.  Researches regulatory requirements to ensure compliance with procedures and to provide supporting information as needed.       Key functions of the role include but are not limited to the following: - Provides timely and quality service to agents through the processing of quotes, policies and other service related documents within time service and quality standards determined by management - Accurate processing related to new business, renewal policies, quotes, endorsements, cancellations and reinstatements in accordance with marketing and or underwriting - Facilitate the processing of business related documents, including but not limited to AORs, Experience Mods and Certificates of Coverage to provide timely and professional customer service to agents and policyholders - Adapts and leverages new technology and innovation to manage a book of business based on business need while maintaining high standards of customer service through responsiveness and resourcefulness - Provides assistance to other Policy Services Representatives - Contributes to the team by accomplishing the Policies Services budgeted expense objectives and time service objectives. Provides ideas for and assists with the execution of improving current processes and procedures - Occasional travel to agency, company and other required meetings a must - Develops positive relationships with agencies through professional communication - Assure the efficient and effective operation of the business services team and provide support to underwriting functions - Processing company appointments for approved producers utilizing state specific requirements through the applicable systems and maintaining all proper documentation per requirements - Stay abreast of state licensing change and manage updates to licensing and appointment process - Communication to agency confirming actions via telephone, written and/or electronic communication - Participate in applicable states’ market conduct exams as needed - Prepare and maintain all proper documentation according to state requirements and company procedures - Set up new agencies and producer records as contracts established and maintain database accuracy - Annual maintenance and follow up of required agency documentation, i.e., agency profiles, proof of E & O, licenses, etc. - Manage the agency agreement records to ensure accurate details in the Compliance portal, electronic storage of all files, and adding updates as needed - Submit electronic filings based on state requirements

The Finance Services Specialist is responsible for understanding policy and claim systems and processes as they relate to Finance, in order to address client and internal inquiries, in particular to premium and deductible billings.  Responsibilities include but are not limited to the following:  - Maintain current receivable aging reports and undertake action plans for collecting past due balances, in accordance with Company policy - Post refund and subrogation reimbursements to the claim system - Assist with deductible billings and inquiries - Function as the primary backup resource for processing and billing reporting-based payrolls and responding to related client inquiries, as part of the Finance client service team - Maintain written policies and procedures for these functions - Work effectively with team members and management to achieve continuous process improvement, strengthen internal controls and promote a collaborative work environment

Key Risk is looking for an enthusiastic and experienced underwriter to join our team. The successful candidate will be responsible for contributing to achieving and exceeding the regions’ profit plan through proper risk selection, agency management, and communication of Key Risk’s value proposition.     Key functions and responsibilities include, but are not limited to the following: - Underwrites accounts up to $750,000 annual premium - Manage a book of business $5,000,000 to $7,000,000 - Develops and maintains relationships with 10-15 agencies - Responsible for a moderate number of agencies including partners with Advantage and/or Premier status within our Key Alliance agency structure - Achieves/exceeds planned accident year loss ratio, rate change, renewal retention and inforce premium goals - Takes initiative to recommend potential improvements in underwriting principles, techniques or appetite - Complies with insurance filings and regulatory requirements - Research new market niches, serve as an industry lead, and participate in special projects - Establishes a knowledge base of agency needs, staff, target markets, and contracted insurers - Performs agency evaluations and establishes agency goals within required time frames and expectations - Participates effectively in new and renewal team sales activities and Client Service Management (CSM) meetings to obtain and retain profitable business

Key Risk is looking for an enthusiastic professional who will be responsible for the management of low exposure workers’ compensation claims.  The Claims Associate will be responsible for learning workers compensation laws and providing outstanding service to our clients. This is an entry-level position with no experience necessary.   - Maintain good lines of communication with employers, adjusters, and providers - Conduct investigation of workers' compensation claims assigned - Request medical notes, proper billing format, and other written/verbal information from employers and medical providers to determine appropriateness of payment of medical bills and whether a claim is truly medical only - Discuss with an employee, issues relative to whether a bill has been paid or whether travel or medical reimbursement has been issued - Timely and accurately reserve for claims assigned - Document medical notes and relevant written and oral communication received relative to claims in the log notes - Discuss with an employer, issues relative to an injured workers’ return to work status - Index images as needed - Identify potential subrogation claims and notify appropriate supervisor - Actively work with mentor and supervisor to develop skills to handle all technical aspects of claims, including coverage, disability benefit management, medical management, litigation management, file management, subrogation, reserving and settlement - Maintain and demonstrate knowledge of the Workers' Compensation Act and Rules and Regulations in jurisdictions assigned - Immediately notify management of large exposures   Education Requirement - BA/BS Degree

The PEO Specialty Underwriter solicits, writes and retains profitable PEO accounts that require an in-depth underwriting analysis and sound judgment. The position markets Key Risk specialty products and services to the agents and participates in agency management process.   - Underwrites new and renewal PEO accounts - Documents analyses and decisions with adequate detail using the Key Risk documentation tools - Takes the initiative to recommend any improvements in underwriting principles, techniques or appetite when they become apparent - Achieves planned premium, rate change and loss ratio goals - Participates with Area Vice President or Director of Underwriting in agency, account visits and industry events to sell products and services and ensure flow of target submissions - Contributes to agency evaluations, goal settings and development plans - Assists Director of Underwriting with research and development projects as requested - Assists other areas of the company with the acquisition and servicing of our policyholders.