Senior Underwriter, Private Non-Profit D&O

Liberty Mutual•New York, NY

52d

About The Position

The Senior Underwriter will underwrite Private & Nonprofit Management Liability policies within delegated authority, making analytical, data-driven decisions and pricing risks with limited guidance from leadership. In certain North American markets, will more frequently underwrite complex/unusual accounts or those requiring higher individual line sizes. Accounts assessed will include some complexity across primary and excess towers for private companies and nonprofit entities.

Requirements

Degree in Business or equivalent typically required
A minimum of 2.5 years, typically 3 or more years, of progressive D&O underwriting experience and/or other related experience
Proven analytical ability to evaluate and judge underwriting risks within scope of responsibility that includes competence with all phases and aspects of the underwriting process, and proficiency in the use of qualitative and quantitative tools and techniques
Must demonstrate comprehension of complex technical underwriting issues and be capable of defining and implementing necessary underwriting and administrative processes/workflows to properly manage or administer those issues
Proven track record of developing and underwriting profitable business

Nice To Haves

RPLU or professional insurance designation preferred

Responsibilities

Build and profitably manage a portfolio focused on Private & Nonprofit Management Liability across retail and wholesale brokers, acting as a representative for Liberty.
Underwrite new and renewal business for coverage lines including Directors & Officers, Employment Practices Liability (EPL), Fiduciary Liability, Crime (including social engineering/financial fraud).
Conduct comprehensive risk evaluation for private and nonprofit entities:
Analyze financials, capitalization, investor composition (e.g., PE/VC), governance practices, indemnification provisions, board composition, and M&A activity.
Assess HR practices and workforce attributes (employee count, geographic footprint, remote/hybrid dynamics, labor relations, prior EEOC/W&H matters) and EPL controls.
Evaluate ERISA plan size, complexity, vendor oversight for Fiduciary, and internal controls/segregation of duties for Crime.
Review prior litigation, claims history, loss runs, emerging exposures, and risk mitigation measures.
Structure and negotiate policy terms:
Determine limits, retentions, sublimits, coinsurance (e.g., wage & hour defense), shared vs. separate limits, primary/excess placements, Side A difference-in-conditions, and manuscript endorsements where appropriate.
Deploy Liberty capacity, in alignment with appetite and referral thresholds.
Price risks using underwriting models, rating tools, benchmarking, and actuarial insights; document underwriting rationale, referrals, and adherence to guidelines.
Maintain a strong market presence:
Strengthen existing broker/agent relationships and develop new ones; conduct underwriting meetings, presentations, and joint planning to drive targeted growth.
Represent Liberty at industry events and market functions; communicate appetite, capabilities, and value proposition.