Commercial Specialty Auto Underwriter

RLI Insurance Company • Tampa, FL

2d • $77,025 - $109,145 • Hybrid

About The Position

Under occasional supervision, this role involves underwriting new and renewal Commercial Specialty Auto accounts within the Transportation business. The primary focus is to evaluate and price risks while maintaining a balance between profitability, growth, and customer service. This position requires developing strong relationships with agents and brokers, identifying quality transportation risks, and applying sound underwriting judgment to build a profitable book of business. The underwriter will review more complex submissions, loss experience, and pricing models, operating within assigned underwriting authority.

Requirements

• Bachelor's degree in insurance, finance, risk management, business or a related field
• Minimum of 3+ years of commercial P&C underwriting experience, preferably with Commercial Specialty Auto or Excess & Surplus (E&S) Transportation accounts
• Knowledge of Commercial Specialty Auto and/or E&S Transportation underwriting principles, including operations, risk selection, pricing, and coverage evaluation.
• Ability to analyze transportation exposures, loss experience, financial information, and pricing models to make sound underwriting decisions.
• Strong understanding of commercial insurance coverage, policy forms, and underwriting guidelines.
• Ability to evaluate driver, vehicle, fleet, and operational characteristics to assess risk quality.
• Strong analytical and problem-solving skills with the ability to balance production goals and profitability.
• Excellent verbal and written communication skills with the ability to explain underwriting decisions and negotiate effectively with agency partners.
• Ability to build and maintain productive relationships with agents, brokers, reinsurers, and internal stakeholders.
• Ability to prioritize multiple accounts and manage competing deadlines in a fast-paced environment.
• Proficient with underwriting systems and technology used to analyze risk and manage a book of business.
• Demonstrates sound underwriting judgment and typically possesses underwriting letter of authority appropriate for the role.
• Participates in continuing education and remains current on transportation industry trends, regulatory developments, and market conditions.
• Works independently on moderately complex risks and escalates unique or non-standard issues when appropriate.

Responsibilities

• Analyze, evaluate, price, quote, bind, decline, and renew Commercial Specialty Auto accounts with moderate to high premium volume and risk exposure.
• Underwrite transportation risks in accordance with underwriting guidelines and authority levels.
• Review submissions, loss history, financial information, driver and fleet characteristics, safety programs, and operational exposures to determine acceptability and pricing.
• Apply underwriting judgment to evaluate risk quality, coverage structure, deductibles, pricing, and terms to achieve profitable growth.
• Develop and maintain strong relationships with agents, brokers, reinsurers, and internal business partners to support production and service objectives.
• Negotiate pricing, coverage, and terms with agency partners while maintaining underwriting discipline.
• Monitor renewal business and recommend pricing or coverage changes based on loss trends, market conditions, and account performance.
• Document underwriting decisions and maintain complete, accurate account files.
• Assist with policy approvals, endorsements, renewals, and other policy servicing activities within assigned authority.
• Participate in agency visits, marketing activities, and industry events to strengthen agency relationships and identify new business opportunities.
• Assist with special projects and perform other duties as assigned.

Benefits

• Annual bonus plans
• Employee stock ownership plan (ESOP)
• 401(k) — automatic 3% company contribution
• Annual 401k and ESOP profit-sharing contributions (Up to 15% of eligible earnings)
• Paid time off (PTO) and holidays
• Paid volunteer time off (VTO)
• Parental and family care leave
• Flexible & hybrid work arrangements
• Fitness center discounts and free virtual fitness platform
• Employee assistance program
• Comprehensive medical, dental and vision benefits
• Flexible spending and health savings accounts
• 2x base salary for group life and AD&D insurance
• Voluntary life, critical illness, & accident insurance for purchase
• Short-term and long-term disability benefits
• Training & certification opportunities
• Tuition reimbursement
• Education bonuses

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level