Commercial Lines Package Underwriter
We are seeking an experienced Commercial Lines Package Underwriter to join our growing underwriting team. This individual will be responsible for evaluating, selecting, pricing, and managing a profitable portfolio of middle market and small to mid-sized commercial accounts. The ideal candidate will have experience underwriting multiple lines of business, including Property, General Liability, Commercial Auto, Workers' Compensation, and Excess Liability.
Key Responsibilities
- Review, analyze, and underwrite new and renewal commercial package business in accordance with company underwriting guidelines and profitability objectives.
- Evaluate risk characteristics, loss history, exposure information, financials, and other underwriting data to make sound underwriting decisions.
- Determine appropriate pricing, coverage terms, conditions, and limits for Property, General Liability, Commercial Auto, Workers' Compensation, and Excess Liability exposures.
- Develop and maintain strong relationships with agency partners, brokers, and internal stakeholders.
- Negotiate coverage, pricing, and terms with agents and brokers while balancing growth and profitability goals.
- Monitor portfolio performance and take corrective action when necessary to achieve underwriting results.
- Collaborate with claims, actuarial, product, and risk control teams to support profitable growth initiatives.
- Maintain awareness of market conditions, industry trends, and competitor activity.
Qualifications
- Bachelor's degree preferred.
- 5+ years of commercial lines underwriting experience within a Property & Casualty insurance carrier.
- Strong underwriting knowledge of Commercial Property, Workers' Compensation, Commercial Auto, General Liability, and Excess Liability coverages.
- Experience underwriting package policies across a variety of industry classes.
- Strong analytical, communication, and relationship management skills.
- Ability to independently manage agency relationships and underwriting authority.
- Proficiency with underwriting systems, risk analysis tools, and Microsoft Office applications.
Preferred Experience
- Experience underwriting middle market or package business.
- Strong understanding of coverage analysis, pricing methodologies, and portfolio management.
- Established relationships within the commercial insurance broker and agency community are a plus.
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