SUMMARY:

This is an entry level position that is part of a formal training program. This job is foundational and expected to be a starting point within a specific discipline (Claims, Loss Control, and Underwriting) and is expected to last up to one year.

Upon completion of the training program the trainee is expected to be familiar with the department policies, processes, procedures, and terminology related to the job. In addition, the trainee will be proficient in the job responsibilities and tasks of the progressive positions within the career path. The trainee will be evaluated on their progress during the training period and on successful completion of the training plan. Upon satisfactory completion of training, the trainee will be eligible for a targeted position within the career path.

RESPONSIBILITIES / TASKS:

In a Learning Capacity:

Learn and develop skills and competencies from performance of assigned duties.
Learn and develop skills and competencies in the use of systems, software, and programs.
Research and analyze information within the assigned area (Claims, Loss Control, Underwriting)
Work on special projects as assigned.
Compute and provide reports, attend company meetings, and provide feedback to the appropriate supervisor(s).
Works with all internal departments to resolve problems and maintain company relations.
Participates as necessary on special committees and task forces.

Claims:

Perform assigned training tasks including specific Claims assignments and assignments designed to introduce the incumbent(s) to all key aspects of the Company.
Learn and develop skills and competencies related to Claims including verifying workers compensation coverage of employer and injured employee from policy information, determining whether the reported injury is compensable under workers compensation, determining medical causal relationship between employee injury and accident, and manage and approve medical bill payments for non-indemnity and simple indemnity claims.
Under supervision of Claims Leadership, responsible for applying claims principles, knowledge and skills based on experience.

Loss Control:

Identify potential hazardous conditions and unsafe acts that may have an adverse impact on employee claims and assist the client in reducing or eliminating those hazardous condition or unsafe acts. Review business processes and operations. Make recommendations for best practices in safety.
Research and analyze technical information, specifications, type of equipment, legal standards, and losses, etc. Write and summarize technical information into practical, usable reports.
Train and/or make presentations to customers on loss prevention and safety related topics by participating in internal and external meetings. Make presentations to internal/external staff as needed.
Gather and communicate pertinent safety information to assist in the risk selection part of the underwriting process.
Maintain strong relationships with independent agents to discuss new and existing clients, specific account loss control reports, analysis, and loss reduction recommendations and to respond to any agent concerns, questions, or issues.

Premium Audit:

Learn to perform telephone, mail and field audits.
Learn to collect all pertinent data and documents needed.
Learn to calculate policyholder’s premium liability.
Learn relevant laws and regulations and develop a strong understanding of state specific requirements.
Learn to utilize knowledge of automated systems.
Enter and/or research information in computer system.
Learn operations, processes, policies, lingo and procedures.
Review and process requests.
Respond to internal and external customer inquiries.
Develop strong analytical skills with and attention to detail.
Observe auditors performing audits and progress towards assisting and conducting audits on your own.
Performs clerical tasks including answering telephone, faxing, filing, copying, and mail distribution. May generate letters, forms, and/or reports.

Underwriting:

Calculates, prepares and develops premium quotations using corporate underwriting guidelines within letter of authority
Determines underwriting eligibility for prospective policyholders and develops appropriate pricing for new business, renewals, and endorsements
Analyzes and reviews prospective accounts for insurability and accepts or rejects within letter of authority.
Supports agency relationships.
Develops new business and retention of existing business in a given territory or region.
Explains and emphasizes benefit of workers’ compensation insurance products and services to customers (agents and policyholders).
Analyze accounts to determine exposure and proper pricing
Reviews loss trends and develops action plans to correct problem areas

This position description identifies the responsibilities and tasks typically associated with the performance of the position. Other relevant essential functions may be required.

EMPLOYMENT QUALIFICATIONS:

A variety of assessments may be utilized as part of the selection process.

EDUCATION OR EQUIVALENT EXPERIENCE:

Claims:

Associate’s in related field and certification (such as AIC, CPCU) required; or a Bachelor’s degree in related field required. Course work in medical terminology is desired. Continuous learning required, as defined by the Company’s learning philosophy. Certification, or progress toward, highly preferred and encouraged.

Loss Control:

Associates in related field and certification (such as ARM, CPCU, AU) required; or a Bachelor’s degree in related field required. Continuous learning required, as defined by the Company’s learning philosophy. Certification, or progress toward, highly preferred and encouraged.

Premium Audit:

Associate’s degree in accounting, finance or related field. Progress towards, or completion of industry-recognized professional designations (i.e. APA, IIA, AIU, CPCU, ARM) highly preferred. Continuous learning required, as defined by the Company’s learning philosophy. Certification, or progress toward, highly preferred and encouraged.

Underwriting/Business Development:

EXPERIENCE:

With proper education, no experience is required. One-year of relevant experience in an insurance environment or knowledge of worker’s compensation is desired. Bi-lingual skills in speaking, writing, or reading English and Spanish are desired.

Underwriting/Business Development: Agency Management and marketing experience is preferred.

SKILLS/KNOWLEDGE/ABILITIES (SKA) REQUIRED:

Ability to make efficient and effective decisions.
Basic knowledge of workers compensation industry
Ability to function effectively in a multi-functional team environment.
Ability to learn and be proficient with computers and company standard software specific to the position.
Strong interpersonal skills and ability to create and maintain mutually beneficial relationships.
Ability to self-motivate and work independently with minimal supervision.
Ability to organize and prioritize work with minimal supervision.
Ability to comprehend consequences of various situations and make appropriate individuals aware when making decisions.
Excellent oral and written communication skills.
Ability to relocate, if required by business need.
Ability to perform other assignments at locations outside of the office.

WORKING CONDITIONS:

Work is performed in the office and occasionally in the field with minimal hazards. Minimal travel is required with occasional overnight stays (Loss Control and Underwriting/BD).

Additional Working Conditions for Loss Control and Underwriting/BD:

Work is performed primarily in the field. However, may be required to visit customer locations which may present some unusual hazards. Frequent travel, primarily by auto, is required with overnight stays. Ability to lift and carry computer equipment weighing up to 35 lbs. Must possess a valid driver's license with a record that meets corporate standards.

Additional Working Conditions for Loss Control:

Work is required at various times of the day and sometimes weekend work may be required. Must be able to meet general physical requirements that would allow the incumbent the ability to view and participate in account operations which may include climbing ladders and scaffolding, work in confined spaces, and or other similar situations.

The qualifications listed above are intended to represent the minimum education, experience, skills, knowledge and ability levels associated with performing the duties and responsibilities contained in this job description.

We are an Equal Opportunity Employer. We will not tolerate discrimination or harassment in any form. Candidates for the position stated above are hired on an "at will" basis. Nothing herein is intended to create a contract.

PAY RANGE

Actual compensation decision relies on the consideration of internal equity, candidate’s skills and professional experience, geographic location, market and other potential factors. It is not standard practice for an offer to be at or near the top of the range, and therefore a reasonable estimate for this role is between $44,100 and $50,775.

About the company

AF Group is a holding company that spans several specialty insurance companies. It focuses on creating tailored insurance solutions by using its expertise in underwriting and medical management, and it reaches customers through a network of independent agents. The group’s products include property and casualty coverage as part of its expanding specialty portfolio. Rather than selling directly, AF Group grows by acquiring and integrating insurance businesses that complement its existing offerings, such as AmeriTrust Group, to strengthen its market position. The company emphasizes financial stability, holding an A rating from A.M. Best, which signals solid solvency and reliability. AF Group’s main goal is to broaden its specialty insurance offerings and improve outcomes for clients by combining diverse insurers under one umbrella and leveraging a broad distribution network.

Company Size

501-1,000

Company Stage

N/A

Total Funding

N/A

Headquarters

Lansing, Michigan

Founded

1912

Get referred to AF Group

See people who can refer or advise you

Simplify's Take

What believers are saying

AF Group reported $3.3 billion gross written premium in 2025.
Mike Valiante became Commercial Markets president in February 2026, sharpening specialty growth execution.
Enstar said AF Group will operate largely standalone after closing, preserving its agency relationships.

What critics are saying

Enstar's 2026 acquisition needs regulators; any delay freezes strategic decisions until year-end.
Workers' compensation losses spike after severe claims inflation and adverse reserve development.
Independent-agent distribution weakens if competitors poach brokers during ownership transition.

What makes AF Group unique

AF Group writes specialty insurance across all 50 states through independent agents.
Its workers' compensation expertise pairs underwriting discipline with medical management.
Lisa Corless and long-tenured operators maintained continuity through AmeriTrust integration since 2023.

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Meetings & Incentives Worldwide

Aug 3rd, 2026

Meetings & Incentives Worldwide celebrates 2026 Moxie Award winners.

Meetings & Incentives Worldwide celebrates 2026 Moxie Award winners. For Immediate Release Contact: Sara O'Neil or Veronica Ferguson Marketing and Public Relations [email protected] [email protected] Caledonia, WI (August 3, 2026) - Global event agency Meetings & Incentives Worldwide (M&IW) announced the winners of the 2026 Moxie Awards last week at the company's signature event, the M&IW Summit. The Moxie Awards celebrate M&IW's customers and partners that exhibited excellence and made an impact in the meetings, events, and incentives industry in the past year. "The Moxie Awards to celebrate the incredible experiences our customers and partners create, and each year's winners continually raise the bar," said Tina Madden, CEO, M&IW. "These companies and professionals inspire us every day. Congratulations to the 2026 Moxie Award recipients!" 2026 Customer Moxie Award winners. M&IW's annual Customer Moxie Awards recognize the company's customers and their noteworthy accomplishments. Nomination submissions are provided by M&IW employees, and the final nominees and winners are determined by M&IW's senior leadership team. The one exception is the People's Choice Award, which is voted on by M&IW Summit attendees. The winners of the 2026 Customer Moxie Awards are: Customer Partner of the Year: US Foods. The Customer Partner of the Year Award celebrates the partnership that shone brightly through shared goals, celebrated wins, and weathered storms. The 2026 Customer Partner of the Year Award went to US Foods. US Foods has partnered with M&IW for over 10 years, creating a strong relationship based not on numbers or contracts but on a shared vision and a willingness to navigate challenges together. Both companies embrace open communication and a collaborative spirit while always pushing boundaries to achieve success. New Customer Partner of the Year: Jockey. This category celebrates the nominees who partnered with M&IW in the past year in pursuit of excellence. The 2026 New Customer Partner of the Year Award went to Jockey. Jockey set the bar for what a high-performing, high-standard customer partnership looks like: collaborative, confident, and built for impact. For their 150th Anniversary, Jockey led with trust and decisiveness, navigating a complex, multi-venue program for 500+ guests and 38+ vendors. This partnership set a new standard for what a first-time customer relationship can achieve. Elevated Event Award: AF Group. The nominees for the Elevated Event Award infused creative design and meaningful purpose, both of which were fueled by the spirit of collaboration. The 2026 Elevated Event Moxie Award went to AF Group for the annual incentive program. The destination for this program changed 8 weeks before the start date, condensing a 2-year planning timeframe to 2 months. After days of immersive activities and unique group dinners, celebration night was an extravaganza with experiential dining highlighting Hawaiian gods. Add thoughtful gifting and givebacks, and this trip is one for the records! Strategic Impact Award: Lundbeck. The Strategic Impact Award recognizes a visionary customer who stretched the boundaries within their meeting and events program through the relentless pursuit of continuous improvement. The 2026 Strategic Impact Award went to Lundbeck. M&IW's partnership with Lundbeck has evolved from tactical support to a trusted strategic collaboration with significant scope expansion, including engaging ISG to lead the development of Lundbeck's first formal Event Policy and a three-year SMMP roadmap. Collectively, these efforts reflect strong ROI, meaningful business impact, and sustained growth potential. People's Choice Award: Lundbeck. Designed to recognize outstanding creative work from Flow, M&IW's in-house creative agency, the People's Choice Award celebrates outstanding graphic design and event creative elements from the past year. M&IW Summit attendees voted, and the 2026 People's Choice Moxie Award went to Lundbeck's Circle of Excellence. Flow provided print and digital creative services for this incentive trip to the British West Indies. 2026 Partner Moxie Award winners. The Partner Moxie Awards recognize the industry partners around the world who support M&IW customers' programs while delivering excellence for both M&IW and the customers. Nominations are provided by M&IW employees, and the winners are determined by M&IW's leadership team. The winners of the 2026 Partner Moxie Awards are: CVB Partner of the Year: Hawaii Visitors & Convention Bureau. The Hawaii Visitors & Convention Bureau brings dedication, creativity, and partnership to every interaction. "They have gone above and beyond for us this year with supporting RFPs, assisting in rebooks, and providing information needed to make programs a success," said an M&IW employee. DMC Partner of the Year: Global DMC Partners. Global DMC Partners' network consists of trusted, reliable partners who deliver seamless, high-impact experiences. "The Global team is amazing to work with," said an M&IW employee. "They are responsive and always able to assist with international programs. All companies they connect me with have been reliable and great partners." Hotel Partner of the Year: Marriott International. Marriott International consistently delivers exceptional experiences, operational excellence, creative problem solving, and a true spirit of partnership. "They're always willing to work with us even when it requires a bit of flexibility," said an M&IW employee. "Our NSOs go above and beyond, and I've seen their passion and dedication jumping in anytime we need support." Event Partner of the Year: FedEx Office. FedEx Office is a longstanding, supportive partner of M&IW, remaining responsive, reliable, and committed to finding solutions. "Even after a destination change delayed the creation of print pieces, leading to many last-minute requests, the FedEx team rose above and beyond," said an M&IW employee. "They stepped up so everything arrived as ordered and on time." NSO Partner of the Year: jen O'Mara Pinckney, Four Seasons. Jennifer O'Mara Pinckney, Account Director, Worldwide Sales, Four Seasons Hotels and Resorts, brings a genuine commitment to success, consistency, care, and a willingness to go above and beyond. "She approaches every opportunity with honesty and integrity, providing thoughtful guidance on what will truly work best for the customer, even when it means challenging assumptions," said an M&IW employee. "She also provides detailed but concise updates to our team regarding new builds, new openings, renovations, and brand information that is pertinent to our team." About Meetings & Incentives Worldwide. M&IW is a women-owned event agency specializing in planning meetings, conferences, and incentives of all scales worldwide. Meetings & Incentives Worldwide, Inc. has 350+ employees and operate events in over 90 countries. Meetings & Incentives Worldwide, Inc. design event experiences rooted in human connection, elevated by human touch, and powered by smart technology. Its customizable event solutions range from end-to-end to a la carte, with a focus on integrating neuroscience and sustainability principles in events. Meetings & Incentives Worldwide, Inc. also develop strategies across events to provide visibility, efficiency, and savings. M&IW is a third generation, privately held, certified Women's Business Enterprise (WBE) in business for more than 55 years. Meetings & Incentives Worldwide, Inc. serve industries such as life sciences, technology, financial services, manufacturing, insurance, and more.

Insurance Journal

Feb 13th, 2026

Enstar Group acquires Michigan's AF Group for $3.3B in gross written premium

Enstar Group, a global insurance and reinsurance firm backed by Sixth Street, has entered into a definitive agreement to acquire 100% of Accident Fund Holdings, Inc. from Blue Cross Blue Shield of Michigan. The transaction values were not disclosed. Headquartered in Lansing, Michigan, AF Group has operated for over a century and now delivers commercial and specialty insurance solutions across all 50 US states. The company reported consolidated gross written premium of $3.3 billion in 2025. Upon completion, AF Group will become a wholly owned subsidiary of Enstar whilst operating largely as a standalone company under its existing leadership team. The acquisition combines complementary capabilities in property and casualty insurance, including workers' compensation, and expands Enstar's global re/insurance solutions.

PR Newswire

Feb 13th, 2026

Blue Cross Blue Shield of Michigan positions AF Group for future success with sale to Enstar Group, backed by Sixth Street

/PRNewswire/ -- Blue Cross Blue Shield of Michigan has entered into a definitive agreement to sell its wholly owned subsidiary AF Group to Enstar Group, a...

The Manila Times

Feb 13th, 2026

Enstar Announces Acquisition of AF Group

Enstar announces acquisition of AF Group. By GlobeNewswire February 13, 2026 HAMILTON, Bermuda, Feb. 13, 2026 (GLOBE NEWSWIRE) - Enstar Group Limited ("Enstar"), a leading global insurance and reinsurance group backed by investment vehicles managed by affiliates of Sixth Street, a leading global investment firm, today announced it has entered into a definitive stock purchase agreement to acquire 100% of the shares of Accident Fund Holdings, Inc. ("AF Group") from Blue Cross Blue Shield of Michigan ("Blue Cross"). Headquartered in Lansing, Michigan, AF Group has been a premier provider of innovative insurance solutions through its affiliate brands for more than a century. Since its acquisition by Blue Cross in 1994, the organisation has strengthened its position in the US property and casualty market and now delivers commercial and specialty insurance solutions in all 50 states, backed by a longstanding record of disciplined underwriting and profitability, with consolidated gross written premium of $3.3 billion in 2025. The acquisition combines AF Group and Enstar's complementary capabilities in property and casualty insurance, including workers' compensation, leveraging Enstar's balance sheet strength to support AF Group's business while expanding Enstar's suite of global re/insurance solutions to serve a broader client base. Upon completion of the transaction, AF Group will become a wholly owned subsidiary of Enstar and operate largely as a standalone company, supported by Enstar. AF Group is expected to operate under its existing leadership team, continuing its commitment to delivering exceptional service whilst benefitting from the scale, network and expertise of Enstar and its investor group, including its partnership with Sixth Street. Sixth Street is a premier strategic partner to leading insurance companies and this transaction continues the expansion of Sixth Street's investment footprint. The transaction is expected to complete in the second half of 2026 upon receipt of regulatory approvals and satisfaction of various other closing conditions. Dominic Silvester, Enstar's Chief Executive Officer, said: "This transaction is a compelling live market opportunity that brings together two organisations with complementary strengths and common values. Enstar and our partners at Sixth Street are committed to working alongside AF Group as it executes its strategic plans. Our balance sheet strength, asset and liability management expertise, and strong financial strength ratings provide a solid platform for AF Group's future, while enabling us to expand our offering of both prospective and retrospective insurance solutions." Lisa Corless, AF Group's President and Chief Executive Officer, said: "This transaction combines our expertise, underwriting discipline and people-first culture with Enstar's proven market experience and financial strength. Aligned with our core offerings and strong commitment to customer centered service, this partnership will support continuity for agent partners, policyholders, and clients, and will enable us to build on our foundation of excellence." Wells Fargo, Goldman Sachs & Co. LLC, and Guy Carpenter Capital & Advisory, a division of MMC Securities LLC, served as financial advisers to Enstar on the transaction. Hogan Lovells, Simpson Thacher & Bartlett LLP, Willkie Farr & Gallagher LLP and Cleary Gottlieb Steen & Hamilton LLP acted as legal advisers. About Enstar Enstar is a global insurance and reinsurance group providing leading retrospective and specialist underwriting capabilities through its network of group companies across Bermuda, the United States, the United Kingdom, Continental Europe and Australia. With over $22 billion in total assets, $6.4 billion in shareholders' equity (as of 30 June, 2025), and more than 130 transactions completed since formation, Enstar has a proven record of pioneering innovative re/insurance solutions. The Group's financial strength is supported by "A" ratings from AM Best and S&P for its flagship reinsurer, Cavello Bay Reinsurance Limited. Enstar is privately owned and supported by investment vehicles managed by affiliates of Sixth Street, a leading global investment firm. For further information about Enstar, see www.enstargroup.com. About Sixth Street Sixth Street is a global investment firm with over $125 billion in assets under management and committed capital. The firm uses its long-term flexible capital, data-enabled capabilities, and One Team culture to develop themes and offer solutions to companies across all stages of growth. Founded in 2009, Sixth Street has more than 700 team members including over 300 investment professionals around the world1. For more information, and additional disclosures, visit https://www.sixthstreet.com/, and follow Sixth Street on LinkedIn. 1Total Sixth Street employees as of 10/31/2025 About AF Group AF Group is a nationally recognized holding company whose affiliated insurance brands are premier providers of innovative, specialty insurance solutions offered through independent agents nationwide. All policies are underwritten by a licensed insurer subsidiary. Accident Fund Insurance Company of America. For more information, visit afgroup.com. (C) AF Group. Sixth Street

GlobeNewswire

Feb 13th, 2026

Enstar Announces Acquisition of AF Group

Enstar announces acquisition of AF Group. HAMILTON, Bermuda, Feb. 13, 2026 (GLOBE NEWSWIRE) - Enstar Group Limited ("Enstar"), a leading global insurance and reinsurance group backed by investment vehicles managed by affiliates of Sixth Street, a leading global investment firm, today announced it has entered into a definitive stock purchase agreement to acquire 100% of the shares of Accident Fund Holdings, Inc. ("AF Group") from Blue Cross Blue Shield of Michigan ("Blue Cross"). Headquartered in Lansing, Michigan, AF Group has been a premier provider of innovative insurance solutions through its affiliate brands for more than a century. Since its acquisition by Blue Cross in 1994, the organisation has strengthened its position in the US property and casualty market and now delivers commercial and specialty insurance solutions in all 50 states, backed by a longstanding record of disciplined underwriting and profitability, with consolidated gross written premium of $3.3 billion in 2025. The acquisition combines AF Group and Enstar's complementary capabilities in property and casualty insurance, including workers' compensation, leveraging Enstar's balance sheet strength to support AF Group's business while expanding Enstar's suite of global re/insurance solutions to serve a broader client base. Upon completion of the transaction, AF Group will become a wholly owned subsidiary of Enstar and operate largely as a standalone company, supported by Enstar. AF Group is expected to operate under its existing leadership team, continuing its commitment to delivering exceptional service whilst benefitting from the scale, network and expertise of Enstar and its investor group, including its partnership with Sixth Street. Sixth Street is a premier strategic partner to leading insurance companies and this transaction continues the expansion of Sixth Street's investment footprint. The transaction is expected to complete in the second half of 2026 upon receipt of regulatory approvals and satisfaction of various other closing conditions. Dominic Silvester, Enstar's Chief Executive Officer, said: "This transaction is a compelling live market opportunity that brings together two organisations with complementary strengths and common values. Enstar and our partners at Sixth Street are committed to working alongside AF Group as it executes its strategic plans. Our balance sheet strength, asset and liability management expertise, and strong financial strength ratings provide a solid platform for AF Group's future, while enabling us to expand our offering of both prospective and retrospective insurance solutions." Lisa Corless, AF Group's President and Chief Executive Officer, said: "This transaction combines our expertise, underwriting discipline and people-first culture with Enstar's proven market experience and financial strength. Aligned with our core offerings and strong commitment to customer centered service, this partnership will support continuity for agent partners, policyholders, and clients, and will enable us to build on our foundation of excellence." Advisors Wells Fargo, Goldman Sachs & Co. LLC, and Guy Carpenter Capital & Advisory, a division of MMC Securities LLC, served as financial advisers to Enstar on the transaction. Hogan Lovells, Simpson Thacher & Bartlett LLP, Willkie Farr & Gallagher LLP and Cleary Gottlieb Steen & Hamilton LLP acted as legal advisers. About Enstar Enstar is a global insurance and reinsurance group providing leading retrospective and specialist underwriting capabilities through its network of group companies across Bermuda, the United States, the United Kingdom, Continental Europe and Australia. With over $22 billion in total assets, $6.4 billion in shareholders' equity (as of 30 June, 2025), and more than 130 transactions completed since formation, Enstar has a proven record of pioneering innovative re/insurance solutions. The Group's financial strength is supported by "A" ratings from AM Best and S&P for its flagship reinsurer, Cavello Bay Reinsurance Limited. Enstar is privately owned and supported by investment vehicles managed by affiliates of Sixth Street, a leading global investment firm. For further information about Enstar, see www.enstargroup.com. About Sixth Street Sixth Street is a global investment firm with over $125 billion in assets under management and committed capital. The firm uses its long-term flexible capital, data-enabled capabilities, and One Team culture to develop themes and offer solutions to companies across all stages of growth. Founded in 2009, Sixth Street has more than 700 team members including over 300 investment professionals around the world[1]. For more information, and additional disclosures, visit https://www.sixthstreet.com/, and follow Sixth Street on LinkedIn. [1] Total Sixth Street employees as of 10/31/2025 About AF Group AF Group is a nationally recognized holding company whose affiliated insurance brands are premier providers of innovative, specialty insurance solutions offered through independent agents nationwide. All policies are underwritten by a licensed insurer subsidiary. Accident Fund Insurance Company of America. For more information, visit afgroup.com. (C) AF Group.

AF Group

Claims Trainee - LC, PA & Uw

About the job

About the company

Get referred to AF Group

Simplify's Take

What believers are saying

What critics are saying

What makes AF Group unique

Benefits

Growth & Insights and Company News

6 month growth

1 year growth

2 year growth