Underwriter — Loss Sensitive & Captive Solutions

About the Role

Accelerant Captive Solutions (ACS) is a specialty underwriting platform focused on complex middle market risks. We write business across three structures — Captive, Loss Sensitive, and Fronting — and are looking for an experienced senior underwriter to help grow our loss sensitive and captive book.

This is a senior underwriting role. The right candidate brings technical depth in loss sensitive structures, established broker relationships, and a track record of underwriting middle market commercial risks profitably.

What You’ll Do

• Underwrite loss sensitive middle market and national account risks, including large deductible, SIR, and retrospective rating programs, with sound technical judgment on pricing, structure, and terms.
• Build and maintain broker relationships, serving as a consistent and reliable market for complex, loss-sensitive placements and captive structures in the middle market.
• Deliver multi-option solutions on eligible submissions — captive and loss sensitive — ensuring brokers have a complete picture of available structures for each account.
• Manage and grow an assigned book of business, maintaining underwriting discipline, monitoring portfolio quality, and achieving production targets.
• Build admitted and non-admitted insurance products including building a forms library and assisting in the implementation of a policy administration system. 

Who You Are

Background: 5–12+ years of commercial lines underwriting experience at a top carrier, with a focus on middle market or national accounts. Hands-on technical expertise in loss sensitive structures — large deductible, SIR, and retrospective rating — is required. Captive experience is a plus.

Approach: You are commercially minded and results-oriented — you know how to win business and build broker trust over time. You are rigorous on the technical side, confident pricing complex structures, and focused on building a profitable, growing book.