Small Business Underwriter
Senior Underwriter - Commercial Lines
Location: Colorado (Hybrid or On‑Site)
About the Opportunity
We are partnering with a confidential, financially strong regional insurance organization with a long‑standing presence in the Western U.S. The company is known for disciplined underwriting, strong broker partnerships, and a people‑first culture anchored in long‑term stability and profitability.
They are seeking a Senior Underwriter to join their Colorado underwriting team, handling complex commercial business with meaningful authority and local market impact.
Role Overview
The Senior Underwriter will be responsible for underwriting new and renewal commercial accounts, managing a profitable book of business, and serving as a trusted partner to brokers in the Colorado market. This role blends technical underwriting expertise with relationship management and portfolio ownership.
Key Responsibilities
Underwriting & Risk Evaluation
- Underwrite new and renewal commercial lines business in accordance with established guidelines and appetite
- Evaluate complex and/or higher‑hazard risks using sound underwriting judgment
- Analyze financials, loss history, operations, and industry exposure to determine appropriate pricing and terms
- Structure coverage, limits, and deductibles aligned with profitability and risk quality goals
- Exercise independent underwriting authority within assigned level
Portfolio Management
- Manage an assigned book of business to achieve growth, retention, and loss ratio targets
- Monitor portfolio performance, identify trends, and address emerging risk issues
- Balance new business production with disciplined renewal management
Broker & Market Engagement
- Build and maintain strong relationships with agency and broker partners across Colorado
- Serve as a responsive, consultative underwriting resource
- Participate in agency meetings, marketing visits, and local industry events
Collaboration & Leadership
- Work closely with claims, loss control, and underwriting management teams
- Provide technical guidance or informal mentorship to less experienced underwriters
- Contribute to underwriting initiatives, training, and process improvements
Qualifications
- 5-10+ years of commercial underwriting experience
- Strong technical underwriting skills with experience handling complex accounts
- Knowledge of the Colorado insurance market preferred
- Ability to manage a book of business with meaningful authority
- Strong analytical, communication, and relationship‑management skills
- Professional insurance designations (CPCU, AU, or similar) a plus
Compensation & Benefits
- Competitive base salary
- Annual performance bonus
- Comprehensive benefits package (medical, retirement, paid time off)
- Hybrid or on‑site work environment in Colorado
- Stable, long‑term career opportunity with a respected organization
Why This Role
- Join a well‑established carrier with a strong underwriting reputation
- Meaningful authority and ownership of a commercial portfolio
- Supportive, team‑oriented culture with local decision‑making
- Strong work‑life balance and long‑term career growth in Colorado
FAQs
Congratulations, we understand that taking the time to apply is a big step. When you apply, your details go directly to the consultant who is sourcing talent. Due to demand, we may not get back to all applicants that have applied. However, we always keep your resume and details on file so when we see similar roles or see skillsets that drive growth in organizations, we will always reach out to discuss opportunities.
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