Senior Underwriter — Strategic Growth & Risk

Accountabilities

• Evaluate new business, renewals, endorsements, policy changes, and complex submissions while considering both individual risk quality and long-term portfolio profitability.

• Make sound underwriting decisions within established authority limits, exercising independent judgment on complex, non-standard, and evolving risks.

• Build and maintain strong relationships with independent insurance agents, becoming a trusted underwriting advisor rather than simply a source of risk decisions.

• Provide agents with coverage guidance, creative solutions, market insights, and clear explanations that help them bring high-quality business to the portfolio.

• Monitor market trends, competitor activity, regional developments, emerging risks, and other external signals to inform underwriting decisions and territory strategy.

• Identify patterns across submissions, agency relationships, and portfolio performance to uncover opportunities for profitable growth.

• Collaborate with leadership to improve underwriting processes, identify workflow inefficiencies, and introduce ideas that make operations more effective.

• Balance growth objectives with disciplined risk selection, knowing when to pursue creative solutions and when to maintain underwriting boundaries.

• Contribute strategic insights that help shape portfolio direction, territory performance, and sustainable business growth.

Requirements:

• 5+ years of Property & Casualty underwriting experience, with experience in homeowners, dwelling property, personal lines, commercial property, specialty, or Excess & Surplus (E&S) lines.

• Proven experience evaluating new business, renewals, endorsements, and policy changes.

• Experience working directly with independent insurance agents and building trusted agency relationships.

• Demonstrated ability to make independent underwriting decisions within established authority levels.

• Strong analytical skills and the ability to connect individual risk characteristics with broader portfolio, market, and profitability considerations.

• Excellent written and verbal communication skills, with the confidence to explain underwriting decisions and provide strategic guidance to agency partners.

• Strong judgment and intellectual curiosity, with the ability to investigate ambiguous or complex risks and identify creative but disciplined solutions.

• Ability to recognize patterns across data, market developments, agency behavior, and emerging risks and translate those insights into action.

• Demonstrated bias toward continuous improvement and the ability to question existing processes constructively.

• Strong relationship-building skills and a consultative approach to working with external partners.

• Ability to work independently in a remote environment while managing competing priorities without compromising quality or accuracy.

• CPCU, CIC, AINS, CRM, or another insurance designation is a plus.

• Excess & Surplus Lines experience is valued but not required.

• Bachelor's degree in Business, Risk Management, or a related field is preferred.

Benefits:

• Competitive compensation.

• Comprehensive benefits package.

• Generous paid time off.

• Wellness and mental health resources.

• Paid parental leave.

• 401(k) plan with company matching contributions.

• Fully remote work environment.

• Opportunity to shape underwriting strategy and influence portfolio growth.

• Significant autonomy and ownership over underwriting decisions and strategic initiatives.

• Collaborative culture focused on trust, transparency, teamwork, integrity, and continuous improvement.

• Professional growth opportunities and the ability to contribute innovative ideas.

• Opportunity to build long-term relationships with independent insurance agents and senior stakeholders.

• Inclusive environment where employees are encouraged to contribute, develop, and take ownership of meaningful work.