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.