Senior Underwriter, Middle Market Multi-Industry

Liberty Mutual • Minneapolis, MN

1d

About The Position

Liberty Mutual is seeking an experienced Middle Market Senior Underwriter to underwrite commercial property and casualty risks in the middle market segment. This individual-contributor role involves making analytical, data-driven underwriting decisions within delegated authority, with limited guidance from leadership. The underwriter evaluates and prices moderately complex to complex accounts, including high individual line sizes and unusual exposures in parts of North America, manages broker and client relationships, and helps shape product and portfolio strategy for the line of business. Candidates must reside within the specified geographic location because the position requires regular in-person visits with local brokers and agents; remote hires outside the designated territory cannot be accommodated.

The role requires progressive underwriting experience, strong analytical judgment, understanding of complex technical underwriting issues, and the ability to develop and underwrite profitable business. A business degree or equivalent is typically required. A CPCU or other professional insurance designation is preferred.

Requirements

• A degree in Business or equivalent is typically required.
• A minimum of 2.5 years of progressive underwriting experience and/or other related experience; typically 3 or more years.
• Proven analytical ability to evaluate and judge underwriting risks within the scope of responsibility.
• Competence with all phases and aspects of the underwriting process and proficiency in qualitative and quantitative tools and techniques.
• Comprehension of complex technical underwriting issues.
• Ability to define and implement underwriting and administrative processes or workflows to manage or administer complex technical issues.
• A proven track record of developing and underwriting profitable business.
• Must reside within the specified geographic location and be available for regular in-person visits with local brokers and agents.

Nice To Haves

• CPCU or another professional insurance designation.

Responsibilities

• Underwrite middle market commercial accounts within assigned authority by assessing submissions, coverage terms, exposures, loss history, financials, and supporting information to determine acceptance or declination, terms, and pricing.
• Make independent, data-driven risk-selection and pricing decisions consistent with underwriting appetite and profitability objectives.
• Coordinate referrals for accounts above individual authority or requiring specialized support.
• Maintain and grow relationships with producing brokers and agents, and serve as a visible Liberty representative in the market.
• Develop targeted broker strategies to source profitable middle market business and expand market share.
• Provide timely, clear responses to brokers and clients, and negotiate coverage and terms while protecting portfolio profitability.
• Underwrite higher-limit, complex, or unusual submissions, including specialty exposures, large single-location risks, multi-location schedules, and industry-specific hazards.
• Engage Claims, Actuarial, Risk Control, and Legal partners to structure appropriate terms and risk mitigation plans.
• Mentor and coach junior underwriters and new hires on middle market underwriting practices, decision-making, and Liberty processes.

Benefits

• Comprehensive benefits that support employees' lives and well-being.
• Workplace flexibility.
• Professional development opportunities.
• Opportunities provided through Employee Resource Groups.

What This Job Offers

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