Commercial Lines Sr. Non-Admitted Underwriter

The Mutual Group • Carapichaima, MA

12d • $63,000 - $115,500

About The Position

The Senior Non-Admitted Underwriter underwrites complex non-admitted commercial accounts that require advanced judgment, significant individual authority, and disciplined portfolio management. The role independently evaluates, selects, prices, and structures new and renewal business, and serves as a trusted risk advisor and negotiator to key distribution partners. The position supports profitable growth, retention, rate adequacy, and underwriting quality across an assigned portfolio or territory.

The Senior Non-Admitted Underwriter operates with a high degree of autonomy, handles referrals for defined risks, and applies an appropriate non-admitted approach based on account needs, product availability, underwriting appetite, and regulatory requirements. The role recommends appetite or portfolio actions using market and performance insights, mentors less experienced underwriting professionals, and partners with Distribution, Risk Control, Claims, Product, Actuarial, Operations, Compliance, and other functions to deliver responsive, compliant, and market-relevant solutions.

Employees who live within 30 miles of the TMG home office are expected to follow a hybrid or in-office schedule. The initial training period may require additional in-office days. Regular agency, territory, and industry travel is expected.

Requirements

• Demonstrated experience underwriting increasingly complex commercial insurance risks, including non-admitted or surplus lines business, with the technical capability to operate at a senior level.
• Advanced knowledge of underwriting principles, risk assessment, coverage, pricing, portfolio management, and regulatory requirements within assigned commercial lines or niche segments.
• Knowledge of non-admitted or surplus lines underwriting practices, market placement considerations, and applicable compliance requirements.
• Ability to exercise sound independent judgment and make decisions within significant delegated underwriting authority.
• Strong financial and business acumen, including the ability to interpret portfolio and account performance data and translate insights into action.
• Proven relationship management, consultative selling, negotiation, and market-facing communication skills.
• Ability to mentor others, influence without direct authority, and collaborate effectively across functions in a matrixed environment.
• Strong written and verbal communication skills, organizational discipline, and commitment to responsive service.
• Ability to independently use core underwriting systems, data and analytics tools, and evolving technology, including AI-enabled workflows, to support sound decisions and efficient execution.
• Ability and willingness to travel regularly for agency, territory, and industry engagement.

Nice To Haves

• Professional designation or continuing insurance education is preferred.
• Demonstrated capability and relevant experience may be considered in place of a specific degree requirement.

Responsibilities

• Underwrite complex non-admitted new and renewal accounts, analyzing exposures, loss history, financial condition, controls, inspection findings, product availability, and other available risk data.
• Determine pricing, coverage, terms, conditions, limits, deductibles, and risk improvement expectations within delegated authority and applicable guidelines.
• Exercise individual underwriting authority, make referral decisions for defined risks, and escalate risks outside authority or appetite with analysis and recommendations.
• Drive corrective action and remediation strategies for complex accounts when performance, controls, or emerging concerns warrant action.
• Ensure timely, accurate, and compliant execution of non-admitted transactions, including renewals, non-renewals, conditional notices, documentation, disclosures, and regulatory requirements.
• Steer the growth, pricing, retention, mix, profitability, and underwriting quality of an assigned complex portfolio or territory.
• Use portfolio data, market intelligence, and account insights to identify trends, concentrations, performance gaps, and opportunities; recommend and execute corrective actions.
• Recommend changes to underwriting appetite, guidelines, pricing approach, or risk selection based on portfolio results and market conditions.
• Maintain a disciplined pipeline and pursue business aligned with portfolio objectives and risk appetite; meet established production, service, quality, growth, retention, and profitability expectations.
• Advise and negotiate with key distribution partners, offering risk-based guidance and commercially sound solutions.
• Develop agency relationships through portfolio reviews, pre-renewal discussions, pipeline management, and responsive problem solving.
• Engage in agency and territory travel and participate in relevant industry organizations, events, or market forums.
• Coordinate with Distribution, Claims, Product, Actuarial, Operations, Compliance, and other partners to resolve issues and support cohesive customer and broker solutions.
• Partner with Risk Control on inspections, follow-up activity, service plans, and risk improvement strategies for complex accounts.
• Use a consultative approach to understand agent and insured needs and develop mutually beneficial, competitive solutions aligned with underwriting objectives.
• Support change adoption and continuous improvement by sharing feedback, testing approaches, and helping translate underwriting strategy into consistent execution.
• Mentor and coach less experienced underwriters through referrals, peer reviews, technical guidance, and ongoing feedback.
• Model effective underwriting practices, sound judgment, accountability, service, and responsiveness.
• Review and approve underwriting decisions within assigned referral authority and support consistent application of underwriting standards.
• Assist with onboarding, training, and development of new hires, internal promotions, and team members building technical capability.
• Serve as a subject matter expert for organizational initiatives, capability development, workflow modernization, and AI-enabled underwriting work, as assigned.

Benefits

• Competitive base salary plus incentive plans for eligible team members.
• 401(k) retirement plan with a company match of up to 6% of eligible salary.
• Free basic life and AD&D insurance, long-term disability insurance, and short-term disability insurance.
• Medical, dental, and vision plans.
• Wellness incentives.
• Personal, holiday, and volunteer paid time off.
• Flexible work schedules and hybrid/remote options for eligible positions.
• Educational assistance.

What This Job Offers

• Job Type: Full-time
• Career Level: Senior
• Education Level: No Education Listed