Commercial Lines Program Underwriter

Mountain West Insurance & Financial Services•Glenwood Springs, CO

19h•Onsite

About The Position

Delivering Peace, Empowering your Potential, and Fortifying the Future. As a Commercial Lines Program Underwriter, you will serve as the in-house subject matter expert for the Mountain West Preferred Condominium Program, managing the submission, marketing, and placement. This role is expected to work with producers and account executives to deliver competitive, coverage-complete programs for community associations of all sizes.

Requirements

3–6 years of commercial P&C insurance experience in an agency, brokerage, or MGA setting; community association or habitational lines experience strongly preferred.
Demonstrated ability to market, compare, and place complex commercial accounts.
Strong knowledge of ISO commercial property and liability forms, manuscript endorsements, and program structures common to community associations.
Strong knowledge of Colorado insurance regulations, property forms, and catastrophe modeling.
Excellent written and verbal communication skills — able to explain complex coverage concepts to HOA board members, property managers, and producers.
Proficiency with agency management systems (Applied Epic), and Microsoft Office Suite.

Nice To Haves

CPCU, CIC, AU, or CIRMS (Community Insurance & Risk Management Specialist) designation — or active pursuit.
Established relationships with Colorado HOA-focused carriers and wholesale brokers
Experience with MGAs, program administration, or HOA/condo insurance.
Proven track record of profitable underwriting in high-risk property markets.

Responsibilities

Review submissions for new and renewal homeowners and condo association policies, assessing property exposures, loss history, and catastrophe risks such as hail, wildfire, and flood in Colorado.
Organize underwriting information — applications, loss runs, building schedules, meeting minutes, financials, and reserve studies — to support complete and competitive submissions.
Underwrite submission per carrier partner underwriting guidelines.
Serve as the agency's technical resource on the Mountain West Preferred Condominium Program coverages and guidelines — advising producers and account executives on coverage gaps, requirements, and program structure.
Review policy forms and endorsements at binding and renewal to ensure accuracy with program underwriting guidelines.
Build and maintain relationships with program carrier and automation partner to ensure adherence to underwriting guidelines, policy forms, and carrier compliance.
Assist automation partner with underwriting rule implementation, system testing, and continued enhancements to support efficient quoting, regulatory compliance, and underwriting profitability.
Evaluate risk exposures and determine appropriate premium rates by analyzing underwriting data, loss history, actuarial models, and market conditions to ensure profitability and competitiveness.
Stay current on Colorado-specific regulatory changes, wildfire and hail market conditions, and carrier appetite shifts affecting community association placements.
Support claims advocacy on behalf of the Mountain West Preferred Condominium Program clients — coordinating with claims team and assisting with coverage analysis on complex losses.
Train and mentor account executives and producers on program guidelines.