Executive Underwriter

Executive Underwriter Position Summary

The Executive Underwriter is responsible for evaluating commercial insurance applications and underwriting new and renewal business from an assigned group of agencies. This role requires strong technical underwriting ability, territory management, agency relationship development, marketing skills, and sound judgment in evaluating risk, pricing, coverage, and profitability.

The position is focused on producing profitable commercial lines business while maintaining strong agency partnerships and delivering a high level of service to internal and external customers. The Executive Underwriter will manage an assigned territory, develop new business opportunities, retain renewal business, and serve as a technical resource for more complex accounts.

This position may be eligible for a hybrid or remote work schedule and requires business travel to agency, customer, and company office locations as needed.

Evaluate new and renewal commercial insurance applications to determine whether to accept, decline, modify, price, or negotiate coverage.

Recognize and evaluate exposure changes during the policy period and take appropriate underwriting action.

Underwrite and price accounts using knowledge of statutory requirements, ISO forms, company forms, NCCI coverage forms and endorsements, commercial lines manuals, and underwriting reference resources.

Manage an assigned group of agencies, including agency development, prospecting, appointment, performance review, profitability analysis, and relationship management.

Evaluate agency performance based on factors such as personnel, line diversification, loss ratio, book of business, volume, profit potential, and long-term growth opportunity.

Solicit new business and retain renewal business through effective presentations to agency and customer audiences.

Manage and develop business within an assigned territory, including profitable underwriting results, sales development, customer service, and agency engagement.

Create and execute sales and territory plans, including premium goals, loss ratio goals, agency visit goals, prospecting activity, and business forecasting.

Maintain and grow profitable relationships with current and prospective agency and customer accounts through regular communication, agency visits, agency reviews, and service support.

Make underwriting decisions within assigned authority levels and company guidelines, seeking exceptions when appropriate and supported by data.

Assist with workflow management, account review, and approval processes.

Identify changes in customer operations, risk characteristics, financial condition, or exposure profile and take appropriate underwriting action.

Coordinate and promote claims, risk control, and premium audit service plans for current and prospective customers.

Mentor and help train less experienced underwriters.

Support non-technical workflow tasks and participate in staff meetings or training sessions as directed by management.

Maintain current knowledge of corporate, regulatory, market, and competitive changes impacting assigned lines of business.

Demonstrate strong proficiency in identifying key underwriting issues and taking appropriate action based on developed information.

Underwrite or assist with large, unusual, or complex risks requiring advanced technical knowledge of products, industries, exposures, and coverage.

Conduct underwriting file reviews as needed.

Participate in complex research, analysis, product development, or underwriting projects requiring advanced technical skills.

Serve as a technical resource and source of underwriting knowledge within the organization.

Complete special projects as assigned, which may include attending industry association meetings, assisting with endorsement or questionnaire development, and collecting or analyzing underwriting data to enhance specialty insurance programs.

Perform other duties as assigned.

Bachelor’s degree in Finance, Insurance, Risk Management, Business, or a related field preferred; equivalent experience may be considered.

Minimum of 5 to 7 years of commercial insurance underwriting…