Underwriter

An insurance organization is seeking an experienced Underwriter to independently evaluate risk analyze exposure and loss information and develop appropriate coverage terms and pricing for Property & Casualty and Workers Compensation accounts. This role supports renewals new business account analysis and underwriting strategy while partnering with internal teams and client-facing staff to deliver accurate timely and consultative service.

The ideal candidate brings strong analytical judgment attention to detail and a solid understanding of commercial insurance underwriting principles. This position is well suited for someone who can manage multiple priorities communicate effectively with stakeholders and contribute to sound underwriting decisions and ongoing process improvements.

• Evaluate new business and renewal submissions including exposure data loss experience coverage needs and overall risk characteristics.
• Analyze property schedules payroll and classification information vehicle and transportation exposures liability considerations and other relevant risk factors.
• Develop and document underwriting recommendations related to coverage terms pricing deductibles endorsements and overall account strategy.
• Prepare underwriting files proposals quotes renewal documentation and supporting analysis with a high degree of accuracy and professionalism.
• Review loss trends and risk indicators to identify potential concerns and opportunities for risk improvement.
• Partner with risk control claims sales and other internal departments to support account strategy and client needs.
• Communicate with internal stakeholders and external clients to gather information explain underwriting considerations and respond to coverage or account-related questions.
• Apply underwriting guidelines policies procedures and applicable requirements consistently while exercising sound judgment on accounts requiring additional review.
• Support portfolio monitoring data tracking reporting and analysis to identify trends and strengthen underwriting decision-making.
• Contribute to process improvements special projects and cross-functional initiatives designed to improve underwriting quality operational efficiency and client service.
• Serve as a resource to less experienced team members by sharing knowledge assisting with peer review and demonstrating strong underwriting documentation and service practices.
• Perform other duties as assigned.

• Bachelors degree or equivalent related insurance experience.
• 37 years of experience in underwriting insurance risk analysis or a closely related field.
• Experience with commercial Property & Casualty Workers Compensation or public entity insurance preferred.
• Working knowledge of underwriting principles insurance coverages exposure analysis loss experience review and rating or pricing concepts.
• Strong attention to detail and organizational skills.
• Strong analytical and problem-solving abilities.
• Effective written and verbal communication skills.
• Ability to manage multiple priorities and meet established deadlines.
• Demonstrated ability to work effectively both independently and collaboratively.
• Willingness to continue developing technical underwriting knowledge and expertise.

Disclaimer: Please note that this job description may not cover all duties responsibilities or aspects of the role and it is subject to modification at the employers discretion.

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