Program Manager and Underwriter, Program Business, Property (Commercial P&C)(Remote)

Amerisure Mutual Insurance•Farmington Hills, MI

4d•Remote

About The Position

The Program Manager and Underwriter is responsible for the overall management, execution, and strategic performance of assigned program business, with a focus on the Property line of business. The role oversees production, growth, profitability, and coverage initiatives; performs underwriting audits and referral reviews for accounts exceeding delegated underwriting authority; and conducts market analysis of pricing, products, and services within Amerisure’s target classes. The position also manages relationships with MGA and retail agency partners. The role develops business plans and strategies with agency and MGA partners, evaluates portfolio performance, and works with actuarial, reinsurance, claims, risk management, and other teams to implement and support programs. It includes mentoring underwriting staff, auditing MGA programs for compliance, identifying product and expansion opportunities, and supporting effective service and claims practices. The role may be performed remotely from most locations across the U.S. and requires travel within the assigned area for agency/MGA visits, team meetings, and a program-related event.

Requirements

Bachelor’s degree or equivalent work-related experience.
Five years of multi-line commercial middle-market insurance underwriting experience, specializing in Property.
Ability to understand catastrophe and aggregation modeling and proactively manage a Property portfolio.
Ability to manage limits/value aggregation in a portfolio to minimize risk in a defined area.
Proficient computer skills, including Microsoft Office Suite.
Demonstrated ability to build positive relationships and partnerships within the department, across the organization, and with external customers.
Excellent verbal and written communication skills.
Good problem-solving skills and attention to detail.
Ability to lead discussions, perform quarterly reviews of program business, and build and deliver presentations.
Strong financial, data, and analytical acumen, including ability to interpret and analyze program data at portfolio level and identify trends and improvement areas.
Ability to travel within the assigned area, including at least one MGA/agency visit and one team meeting per quarter, plus one program-related event annually.

Nice To Haves

Two years of Excess and Surplus (E&S) experience, particularly related to Property.
CPCU designation.

Responsibilities

Market, evaluate, and price products and services for program business within Amerisure target classes.
Set an annual business plan addressing growth and profit objectives, and agree on plans and strategies with agency/MGA partners.
Evaluate book performance, communicate program profit levels, identify areas for improvement, and develop plans to address shortfalls.
Partner with Actuarial to assess portfolio performance against targeted combined ratio objectives, identify gaps, develop strategies, and communicate findings and action plans during annual planning.
Drive implementation of new and existing programs, including underwriting guidelines, form and rate filings, compliance and regulatory matters, finance, reinsurance, claims, legal, accounting, actuarial, and marketing matters.
Evaluate opportunities to expand profitable growth through additional distribution partners.
Mentor, train, and provide technical guidance to underwriting team members and support staff.
Conduct regular MGA program audits to ensure compliance with company underwriting guidelines, contractual requirements, and applicable state regulatory standards.
Develop and implement underwriting practices that support program objectives, profitable growth, and Amerisure’s underwriting strategy and performance goals.
Identify ongoing product needs and collaborate with product and actuarial resources to implement them.
Collaborate with Reinsurance to ensure adequate program capacity, assess risk concentrations and catastrophe exposures, and develop reinsurance strategies, including quota share agreements.
Participate in MGA/agency visits and service relationships, facilitating communication with Amerisure service teams to support screenings, transactions, and resolution of policy and billing issues.
Collaborate with the service team to advance program strategy, follow the service model, and promote strong customer service.
Partner with Claims on regular claim reviews with MGA/agencies and maintain communication with claims adjusters to support consistent and effective claim handling.
Collaborate with Risk Management on loss-control and risk-management strategies.
Order, review, and analyze underwriting and rating reports, including MVRs, loss runs, credit reports, and loss-control inspections, to assess risk and support underwriting decisions.