Underwriter II

General Description

Assess risks of an intermediate nature, develop, and negotiate premiums. Manage relationships with brokers and carriers. Provide appropriate insurance products to clients. Generate profit in accordance with company goals.

• Under limited supervision, analyze and determine the acceptability of risks. Includes evaluating the application, website, claims history, and file notes.
• Obtain supplementary information as needed to underwrite policy.
• Determine the desirability of accepting or rejecting risks within guidelines.
• Coordinate risk assessment with Underwriting team as needed.
• Underwrite and price exposures in accordance with filed and approved rate levels and guidelines. Bring policy to completion with recommending and binding coverage, invoicing, and policy issuance.
• Identify the need, order, and evaluate additional risk assessment information.
• Communicate with agents to obtain supplemental underwriting information as needed.
• Analyze and rate endorsement requests.
• Issue and track conditional/non-renewal notices and cancellations. Adhere to regulatory compliance.
• Maintain knowledge of policy terms and endorsements.
• Assist manager in establishing underwriting policy and procedures.
• May require some travel for educational development or client relationship building.

• 3+ years of underwriting experience.
• High school diploma or equivalent required.
• For direct client service/underwriting, Property & Casualty and/or appropriate business licensure is required.
• Broad knowledge of insurance industry.
• Ability to negotiate with strong mathematical skills.
• Strong written and verbal communication skills.
• Working knowledge of Microsoft Office suite of products.
• Proficiency in utilizing company systems.
• Strong organizational and analytical skills with attention to detail and accuracy.
• Strong research skills to troubleshoot customer problems
• Ability to travel 10% of the time.

USI is committed to providing a full-suite of competitive benefits for our growing population and its diverse needs. We offer a wide range of health, welfare and financial benefits including medical, wellness, dental and vision, 401(k), flexible spending and health savings accounts, short and long-term disability, life insurance and other unique employer-sponsored and voluntary programs. USI also offers a generous paid time off policy, paid family leave benefit as well as paid holiday time.