Underwriter/Sr. Underwriter, MPL(West Coast Region)

At-Bay•San Francisco, CA

About The Position

At-Bay is hiring an Underwriter or Senior Underwriter for its Miscellaneous Professional Liability (MPL) business in the West Coast Region. The role supports growth of At-Bay’s MPL portfolio by underwriting new and renewal business, developing broker partnerships, and making sound risk selection and pricing decisions. The underwriter owns and grows a book of business, evaluating diverse professional liability exposures while balancing business growth with underwriting profitability. The position also works with leadership, product, and technology teams to refine underwriting appetite, improve workflows, and identify opportunities to expand At-Bay’s market presence. At-Bay describes itself as the world’s first InsurSec provider, combining insurance with cybersecurity technology. It offers specialty insurance lines including Cyber, Tech E&O, and Miscellaneous Professional Liability. The estimated annual base pay range is $90,000–$115,000 for an Underwriter and $110,000–$145,000 for a Senior Underwriter. Base salary depends on factors including market data, location, internal equity, domain knowledge, experience, and skills.

Requirements

Experience underwriting Miscellaneous Professional Liability (MPL), Professional Liability (E&O), or closely related specialty commercial insurance products.
Strong understanding of professional liability exposures, coverage forms, policy terms, exclusions, pricing considerations, and risk selection.
Ability to evaluate risks, exercise sound underwriting judgment, and balance growth with profitability.
Experience developing and managing broker relationships, with a commercial mindset and a track record of driving new business opportunities.
Strong analytical, negotiation, and communication skills; ability to explain underwriting decisions and collaborate with brokers and internal stakeholders.
Comfort using technology, data, and analytics to improve underwriting decisions and operational efficiency.
High accountability and attention to detail, with willingness to own a book of business and its outcomes.
Entrepreneurial mindset and interest in helping build and scale a growing insurance product in a fast-paced, collaborative environment.
Team-first approach, including sharing knowledge and collaborating across functions.

Responsibilities

Underwrite new and renewal MPL business by evaluating professional exposures, loss history, financial information, contractual obligations, and other relevant risk characteristics.
Assess, select, price, and structure risks in line with underwriting guidelines, authority levels, and profitability objectives.
Negotiate coverage, pricing, limits, terms, conditions, and endorsements with brokers.
Manage and grow a profitable book of business, balancing new business production, retention, pricing adequacy, and portfolio performance.
Monitor portfolio trends, market conditions, and emerging professional liability exposures to inform underwriting decisions and identify opportunities.
Build, maintain, and expand retail and wholesale broker relationships to generate submissions and increase At-Bay’s market presence.
Develop and execute territory and broker engagement strategies to drive new business, retention, and sustainable GWP growth.
Provide brokers with thoughtful solutions, timely decisions, and service as a trusted underwriting partner.
Represent At-Bay at broker meetings, industry events, and other business development opportunities.
Identify appropriate cross-selling opportunities across At-Bay’s insurance offerings.
Partner with underwriting leadership to refine MPL risk appetite, pricing strategies, underwriting guidelines, and product offerings.
Collaborate with product, actuarial, claims, technology, and other cross-functional teams to improve underwriting performance and broker experience.
Use data, analytics, and technology to inform underwriting decisions and streamline workflows.
Provide market intelligence and broker feedback to inform go-to-market strategy and future product development.
Serve as an MPL subject matter expert and share underwriting insights across the organization.