Small Business Underwriter

Job Title: Small Business Underwriter (Artisan)

Location: Sacramento California

Work Schedule: Hybrid (3/2)

Employment Type: Full time

Requisition Begin Date: 10/06/2026

Help us insure it

Tokio Marine HCC is a global industry-leading specialty insurance group backed by the strength and stability of the Tokio Marine Group. Offering over 100 classes of specialty insurance we empower clients to pursue opportunities confidently through our Mind Over Risk philosophy. More than an insurance company we are an organization built on innovation unity and trust.

At our core we are Always Advancing driven by innovation and an entrepreneurial spirit that keeps us moving forward. Our people are Experts in Tomorrow using curiosity and smart working to anticipate whats next. With a culture rooted in Reaching Out we foster genuine collaboration and support ensuring every individual has the opportunity to succeed and make a difference.

Role Overview

Under supervision reviews insurance applications to evaluate classify and rate each risk to determine acceptability coverage and pricing. Establishes maintains and develops agency and/or broker relationships. Position has defined underwriting authority and business development responsibility. Provides underwriting in single or multiple areas of liability. Performs industry-related research related to forms rates and legal climate and provides recommendations to underwriters and management as necessary.

Key Responsibilities

Evaluate new and renewal policy applications and related documents to classify and assess each risk determine acceptability assign rating indicate endorsements and limits and determine appropriate pricing.

Contact and respond to verbal and written inquiries from brokers within designated timeframe to provide appropriate information and serve as an underwriting resource.

Create and maintain all documentation (physical and electronic) including new and renewal bound files underwriting worksheets documentation of phone conversations and other key documents according to departmental guidelines.

Adhere to all company underwriting authority directives underwriting guidelines and other applicable company policies and procedures.

Approve or deny within given authority or recommend approval or denial to higher authority.

Cultivate relationships with internal and external contacts to facilitate the underwriting process promote business development and to remain abreast of industry trends.

Serve as a resource to other departmental staff with regard to underwriting procedures and other departmental guidelines.

Develop understanding of various factors that affect and influence policy rating and risk.

What You Bring

4 Year / bachelors degree in business administration Accounting Finance a related field or the equivalent education and/or experience

2 Years relevant and progressive underwriting experience in specialty or related area that includes a working knowledge of state laws

Possess and have ability to apply knowledge of principles practices and procedures

Solid written and verbal communication skills with an emphasis on confidentiality tact and diplomacy

Advanced organizational and analytical skills; demonstrated ability to manage multiple tasks simultaneously

Knowledge of industry changes legal updates and technical developments related to applicable area of the Companys business to proactively respond to changing business environment

Intermediate proficiency and experience using Microsoft Office package (Excel Access PowerPoint Word)

Preferred Skills:

Studies toward attaining a Registered Professional Liability Underwriter (RPLU) Chartered Property Casualty Underwriter (CPCU) Associate in Commercial Underwriting (AU) Certified Insurance Counselor (CIC) or equivalent insurance designation depending on specialty area

State specific insurance license depending on specialty area

Additional Working Conditions and Physical Demands

Overtime hours may be required to fulfill job responsibilities

May be required to remain stationary for extended periods of time

May be required to move up to 10 pounds

Must be able to operate a computer and other devices

Close vision and ability to adjust focus such as required to read a computer screen

What we offer

Competitive salary and comprehensive benefits package

Strong learning culture with ongoing development opportunities

Opportunities for growth and career advancement

Comprehensive medical vision and dental coverage with eligibility beginning on your first day of employment

Basic life and disability insurance

401(k) plan with 6% company match

20 days of PTO two floating holidays approximately 11 paid holidays and volunteer time off

Paid parental leave

Access to our award-winning wellness program including mental health services fitness network membership and a complimentary Headspace subscription

Student loan matching program

Employee discount program

An opportunity to do meaningful work and love what you do

Pay Transparency

The pay range for this position is $69700-$104500 which includes geographic adjustments where applicable. The pay range is the range TMHCC in good faith believes is the range of compensation for this role at the time of this posting. The hired applicant will be offered pay within the entire range based on the candidates geographic location qualifications work experience education and/or skill level. The Company is fully committed to ensuring equal pay opportunities for equal work regardless of color race sex national origin sexual orientation religion age veteran status disability pregnancy citizenship status genetic information or any other basis protected by federal state or local pay equity laws.

Disclaimer

As an insurance company we comply with certain federal state and local laws such as the Violent Crime Control and Law Enforcement Act of 1994 (18 USC 1033(e)) which restricts our ability to employ individuals with certain types of criminal convictions. Where not restricted by law and for criminal history not covered by this law the Company will consider qualified applicants with arrest or conviction history in compliance with applicable law.

About us

Tokio Marine HCC is a leading specialty insurance group with offices in the United States the United Kingdom Europe and other exciting locations. With the strength and stability that comes from being a member of the Tokio Marine Group and more than fifty years of growth profitability and stability we offer important insurance products that most people dont even know exist. Every policy we write is special enabling our clients to do amazing things.

From insuring the crops that feed us to the rock concerts that entertain us to rescuing international travelers in trouble we offer more than 100 classes of specialty insurance.

Applying our Mind Over Risk philosophy to writing insurance allows our customers to take on opportunity with confidence. That philosophy defines our way of thinking unites us as a team and differentiates us from our competitors. We are much more than just an insurance company; we are a Good Company.

Equal Opportunity Employer

TMHCC is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to age ancestry citizenship color family or medical care leave gender identity genetic information marital status medical condition national origin physical or mental disability protected veteran or military status race ethnicity religion sex (including pregnancy) sexual orientation or any other characteristic protected by applicable local laws regulations and ordinances.

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