Commercial Underwriter

SageSure • Tampa, FL

18h • Hybrid

About The Position

SageSure, a leader in catastrophe-exposed property insurance, is seeking a Commercial Underwriter. This role is responsible for analyzing property risk exposures and making data-driven decisions to select and price commercial residential property policies. The Commercial Underwriter will work closely with brokers and agents to provide comprehensive insurance solutions to clients, adhering to company standards and guidelines. This role is hybrid, requiring a minimum of 3 days per week onsite in the Tampa, FL office.

Requirements

• A Bachelor’s Degree in a related field or an equivalent combination of education, training, and work experience.
• At least 2 years’ experience in property and casualty underwriting.
• Strong knowledge of commercial business owners’ coverage, property risk exposures, underwriting procedures, and regulations.
• Demonstrated ability to evaluate risk eligibility, review loss experience, interpret property inspection reports, and make sound risk-based decisions.
• Familiarity with catastrophe modeling, commercial residential construction types, and exposure management.
• Exceptional verbal and written communication skills, with a proven ability to build and maintain producer and customer relationships.
• Proficiency with insurance software, MS Office Suite, and tools for managing data and underwriting workflows.
• Ability to work independently or collaboratively in a fast-paced, dynamic environment with minimal supervision.
• Experience mentoring and providing training to less experienced team members and contributing to improving underwriting practices.
• Knowledge of market conditions, competitor actions, and the ability to adjust strategies in response to evolving market trends.
• Strong analytical skills with the ability to make informed, calculated risk decisions and solve complex underwriting issues.

Nice To Haves

• Advanced insurance industry designations such as CPCU, CIC, or ARM.
• Experience with commercial residential construction types and understanding of coastal state insurance markets.
• Demonstrated ability to recommend innovations or new product offerings based on market trends.

Responsibilities

• Evaluate submissions received from producers for completeness and accuracy, ensuring the data provided is the most current available.
• Collaborate with agents, brokers, and other underwriters to develop appropriate coverage and pricing for each policy, understanding current placement and desired terms and conditions.
• Conduct individual risk assessments per company-established guidelines and pricing parameters.
• Communicate regularly with producers regarding submission status and explain underwriting requirements and philosophy.
• Review and approve or deny policy applications and endorsements within assigned authority.
• Conduct and update renewal policies in advance of regulatory notice periods to determine whether to offer renewal or non-renew the risk based on current risk characteristics and loss experience.
• Maintain accurate records and documentation of underwriting decisions and risk assessments.
• Continually evaluate the portfolio of policies accepted and work with other departments to ensure the book of business is optimized in accordance with company-established parameters and guidelines.
• Conduct numerical analysis and make recommendations on exposure management issues.
• Maintain market currency by continually seeking information regarding competitor actions, placements, and activities.
• Report and update other departments (e.g., Marketing, Claims) of opportunities or threats based on market findings.
• Develop and maintain strong relationships with brokers, agents, and other industry professionals to expand our network and ensure a positive customer experience.
• Provide guidance and support to less experienced underwriters and participate in training and development programs.
• Execute underwriting project research to develop and improve underwriting policies, practices, procedures, workflows, and systems.
• Coordinate with other departments as needed.
• Aid with developing business requirements and performing user acceptance testing in support of system initiatives.
• Conduct policy audits, ensuring compliance with underwriting rules, policies, practices, procedures, and all laws and regulations.
• Provide underwriting and technical training to other departments.
• May perform other related duties and special projects as assigned or requested.

Benefits

• Named among the Best Places to Work in Insurance for four years in a row (2020-2023)
• Exceptional growth
• Underwriting profits for carrier partners
• More than 110 home, flood, and commercial products
• More than 1,000 employees
• Distributed workforce environment
• Equal Opportunity Employer committed to building a workforce that reflects the spectrum of perspectives, experiences, and abilities of the world we live in.
• Champion belonging and inclusion for all identities
• Nimble, highly responsive culture
• Nurtures critical thinkers who run toward problems and engineer solutions.
• Relentlessly pursue better outcomes by investing in the technology, talent, and tools that position us to succeed in demanding markets.

What This Job Offers

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