Associate Underwriter E&S Homeowners Personal Lines

Howden•San Diego, CA

21d•$70,000 - $80,000•Onsite

About The Position

DUAL North America is seeking an Associate Underwriter for its E&S Homeowners division. The role supports a team of underwriters through the risk underwriting process, account quoting and binding, policy transactions, daily workflows, and the development of broker relationships. The Associate Underwriter provides customer service and underwriting support throughout the underwriting life cycle, helps achieve new and renewal premium goals, and is working toward underwriting authority. Quote and binder issuance require approval from a senior or junior underwriter. The position is classified as exempt and full-time, reports to the VP Underwriting, E&S Homeowners, is based in San Diego, California, and requires 0–10% travel. The role includes processing submissions, gathering information for quotes and binding, preparing correspondence, reviewing inspections, and providing administrative support. The successful candidate will develop foundational knowledge of technical underwriting principles, risk characteristics, market dynamics, competition, and product differences while working collaboratively with underwriters and producers.

Requirements

0–3 years of underwriting or insurance experience.
Foundational knowledge of insurance principles.
Proficiency in Microsoft Office Suite, including Word, Excel, Outlook, and PowerPoint.
Ability to follow policies and procedures.
Ability to complete assigned tasks correctly and on time and learn quickly.
Self-motivation and attention to detail.
Ability to work independently for extended periods.
Excellent written and verbal communication skills and general business understanding.
Ability to work well in a team environment; collaboration and teamwork are central to the organization.
Ability to travel up to 10% with an underwriter to shadow and participate in interactions between Underwriters and brokers.
Ability to remain in a stationary position 50% of the time, with occasional movement in the office to access cabinets and equipment.

Nice To Haves

Bachelor’s degree in risk management, finance, business, or a related field is preferred.

Responsibilities

Process submissions by providing account triage for Underwriters.
Provide backup support for Underwriters when they are traveling in the market.
Gather and compile information required to quote and/or bind an account.
Generate, edit, and send correspondence on behalf of Underwriters, including declination letters, quote follow-ups, and subjectivity reminders.
Demonstrate a basic understanding of technical underwriting principles and risk underwriting characteristics.
Learn market dynamics, the competitive landscape, and product differences; attend weekly underwriting meetings when applicable, ask questions, understand why deals are lost, and adjust accordingly.
Provide customer service and underwriting support to help achieve new and renewal premium goals.
Build relationships with producers under the supervision of more senior underwriters.
Fill in for other team members to ensure business continuity during peak periods or when team members are unavailable.
Assist Underwriters as requested.
Complete other related clerical and administrative duties as assigned.
Issue quotes and binders when approved by a senior or junior underwriter.
Review policy issuance.
Conduct inspection review and analysis, identify issues, and process post-inspection changes as necessary within authority.