Senior P&C Underwriter (Habitational)

ARU • Atlanta, GA

53d • Remote

About The Position

ARU continues to grow at a rapid pace, and we are currently seeking an experienced senior package underwriter with strong HABITATIONAL expertise. The senior underwriter will first contribute as part of the leadership team finalizing standing up the new national program. Upon launch late Q1 2026, the senior underwriter will perform as the lead property and liability underwriter for the Hab program. A few words from ARU's CEO Will Johnson: "I started ARU in 2016 at ground zero, with zero customers, zero revenue, and one big foundational idea: other market participants were operating fundamentally flawed models that were not sustainable. I strongly believed ARU could deliver substantial value by making a clean break from the legacy underwriting methods -- and by building a completely new and innovative approach. But - I must say, believing it and executing it were two very different things, ha! While it certainly has not been easy, amazing work by the ARU team has generated superlative growth and profitability results, and it continues to be incredibly fulfilling to see ARU's original mission be realized. I am now seeking the next great addition to our team, a Senior Underwriter to support a newly formed Habitational program unit. If you are a world-class P&C underwriting professional who's seeking to do the best work of your career, I invite you to reach out to us."

Requirements

• At least 5 years of P&C underwriting experience with HAB specialization, with accompanying sector proficiencies.
• Demonstrable underwriting experience at an MGA / MGU, insurtech, specialty lines agency, or other specialty insurance organization (with entrepreneurial company experience highly preferred).
• Demonstrable excellence in thoroughness, accuracy, organization, resource management, record-keeping, and requirement gathering.
• Demonstrable success influencing positive outcomes, driving initiatives, and coordinating efforts across departments without having formal direct authority.
• Exceptional leadership and soft skills, with the strong ability to resolve challenging situations with a patient and calm demeanor.
• Excellent professional presentation and polish, in the spoken word and written form.
• Excellent critical thinker and problem-solver under pressure. High intellectual curiosity, with an enjoyment of learning and self-improvement.

Nice To Haves

• Preferred: bachelor's degree from an accredited 4 year college or university.

Responsibilities

• Help ARU be the best in the world at what we do, and do not ever settle for mediocrity. Actively participate in ARU’s culture of collaborative problem-solving.
• Treat every assignment as an opportunity to: 1) learn and grow as an insurance professional, and 2) prepare for increased responsibilities in the company.
• Perform with a high level of polish and professionalism, in all spoken and written communications. Address internal and external business challenges in a graceful and tactful manner. Complete all duties with a high degree of urgency, thoroughness, and accuracy.
• Perform as Senior Underwriter: Habitational Risks
• Program Leadership & Administration: Stand up the program’s day-to-day operations: workflows, SLAs, underwriting guidelines, rating parameters, authority matrices, referral triggers, and documentation standards; Own program performance dashboards (rate adequacy, hit/retention, bound premium, TIV concentration, loss ratio, cycle time) and drive corrective actions; Manage carrier/MGU/MGA relationships, including bordereaux quality, audits, underwriting reviews, and profitability initiatives; Coordinate with product/compliance on forms, filings, and appetite updates; partner with claims on loss trends and loss-control actions; Oversee data hygiene and reporting in the policy administration/rating/CRM systems.
• New Business (Production & Underwriting): Provide world-class service to contracted broker/agency partners and provide swift, high-quality indications and quotes; Triage submissions, request missing information, and perform full technical underwriting (pricing, coverage structuring, terms/conditions); Evaluate COPE data, schedules of locations, valuations, loss history, and inspection reports; apply catastrophe modeling/aggregations as needed; Negotiate terms with brokers while maintaining underwriting discipline and target return metrics; Bind accounts within delegated authority; prepare referral packages for risks outside authority.
• Renewals: Build proactive renewal strategies by segment (loss experience, exposure change, market movement); Execute timely renewal reviews, including pricing/rate change, deductible/coverage re-engineering, and loss-control requirements; Manage retention and profitability, balancing account lifetime value with underwriting standards.
• Distribution & Customer Experience: Be the primary point of contact for brokers: responsive, solutions-oriented, and clear on appetite and requirements; Conduct broker trainings/webinars on submission quality, appetite, and best practices to accelerate cycle time; Drive Net Promoter-style satisfaction results through reliable communication and on-time deliverables.
• Compliance, Governance & Risk Controls: Adhere to underwriting authority, carrier guidelines, and rating plans; Monitor aggregation and cat exposure; enforce referral protocols; Support internal and carrier audits; implement remediation plans promptly.
• Continuous Improvement: Identify portfolio trends (water damage, attritional GL slip-and-fall, roof age, valuation drift) and propose underwriting rule/rate changes; Collaborate with analytics to refine pricing, peril surcharges, and schedule rating factors; Recommend inspection and loss-control priorities by class, geography, and loss driver.
• Endorsements/Changes & Servicing: Handle mid-term changes (additions/deletions, TIV adjustments, occupancy changes, location changes, mortgagee updates) with accuracy and speed; Oversee certificates, evidence of insurance, lender requests, loss runs, and premium finance questions; Maintain clean policy files, documentation, and audit-ready trails for every transaction.
• Master the use of ARU standardized hardware, software programs, third party software, and processing procedures.
• Other, as assigned.

Benefits

• You will receive a competitive compensation package, with base annual salary, annual bonus, and company-provided benefits.
• You will have 100% employer-paid health insurance, generous PTO, and a 100% vested retirement plan with company match.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Number of Employees: 51-100 employees