Production Underwriter, Flood

Production Underwriter, Flood – ICW Group

Join our team of professionals dedicated to transforming the insurance carrier space. With more than 50 years in business, we continue to deliver the best insurance experience possible.

The purpose of the underwriter is to classify and price risks in order to profitably grow a specialty area of insurance. This position evaluates risks and creates coverage that satisfies both the company and its clients.

• Take responsibility for profitable growth of a specialty area of insurance business.
• Accept, modify, or reject risks based on a review of business in terms of loss experience, inspection reports, file information, web resources, policyholder tenure, and related policies.
• Classify the nature of risk in accordance with company guidelines, standards, and compliance with state laws.
• Interpret policy contract language/forms and use approved classification systems, rating plans, and selection standards to determine eligibility, desirability, and proper classification/pricing.
• Inform management of weakness in coverage and/or products that are adversely impacting growth potential.
• Gather pertinent competitive information to assist in developing recommendations to product development.
• Evaluate routine business for risk acceptability; match price to exposure, loss frequency and severity for profitability, and rating plans/modifications for renewal retention.
• Provide documentation for any exceptions to established guidelines and critical account information relating to the final underwriting decision.
• Verify coverage eligibility.
• Communicate effectively via phone and email to gather and analyze necessary information for the underwriting process.
• Occasionally go out on field visits to create new business opportunities and improve policy renewal retention.
• Maintain underwriting quality standards.
• Develop a strong understanding of modeling systems.
• Analyze modeling results to support underwriting decisions.
• Place facultative reinsurance according to company guidelines.
• Establish collaborative relationships with agencies/producers to understand the external marketplace and underwrite within established performance standards.
• Effectively communicate decisions and resolve agent/customer concerns promptly.
• Provide technical assistance to internal and external customers regarding coverage interpretations, policy and endorsement provisions, and underwriting acceptability for specialty area coverages.
• Develop collaborative working relationships with assigned agents providing excellent customer service.
• Visit each assigned broker a minimum of two times a year.
• Attend marketing events organized by the Company.
• Provide feedback from marketing activities to management through marketing call reports.
• Participate in underwriting and production presentations when approved by management.

• Underwrite flood risks within ICW Specialty’s underwriting guidelines, appetite, and authority, with accountability for profitability, growth, and underwriting discipline.
• Focus on wholesale distribution, serving as a primary point of contact and trusted advisor to wholesale brokers within assigned territories.
• Evaluate complex flood submissions, including analysis of exposure, loss potential, modeling outputs, and reinsurance considerations.
• Apply flood‑specific policy forms, endorsements, rating plans, and eligibility requirements in compliance with regulatory and underwriting governance standards.
• Manage a personal flood book of business, monitoring performance metrics and adjusting underwriting strategies to support profitable growth.
• Develop and maintain strong broker relationships through regular communication, strategic planning discussions, and in‑person broker visits aligned with annual marketing plans.
• Collaborate with Distribution, Product, and Reinsurance partners to support market development, identify growth opportunities, and address competitive positioning.
• Represent ICW Specialty in broker meetings, industry events, and conferences as appropriate.
• Provide technical guidance related to flood coverage interpretation,…