Underwriter (Property & Casualty)
About The Position
Integrated Specialty Coverages, LLC (ISC) is hiring an Underwriter to review commercial insurance applications and determine whether to accept or decline coverage under established underwriting guidelines. The role evaluates exposures and individual risk characteristics to set coverage levels and appropriate pricing, assesses excessive risks, and supports safe and profitable distribution of risks. The underwriter will become familiar with commercial insurance applications and industry terminology. The position applies underwriting and pricing strategies to meet profitability goals, uses delegated authority to accept, reject, or mitigate risks, and processes approved quotes through policy issuance. It also requires documenting risk analysis and pricing rationale, ensuring compliance with industry and government regulations, researching and verifying submission data, and helping customers understand insurance options and reduce exposure. The role collaborates with the underwriting team and other departments to finalize applications efficiently. ISC describes itself as a growth-stage, technology- and data-driven commercial MGA and insurance wholesaler. The position is hybrid and based out of the Los Angeles or Carlsbad office. The company offers comprehensive benefits and emphasizes employee development, collaboration, and an inclusive workplace.
Requirements
- Bachelor’s degree.
- 1–5 years of P&C underwriting or related insurance experience.
- Strong customer service experience.
- Proficiency in Microsoft Office Suite and ability to quickly learn industry-specific software.
- Ability to work collaboratively with team members and other departments.
- Strong desire to learn, explore new ideas, and seek out new knowledge.
- Ability to be flexible, embrace change, and quickly pivot in response to shifting priorities.
- Must be legally authorized to work in the United States.
Nice To Haves
- CPCU, CIC, CRIS, Property & Casualty Brokers License, or similar credentials.
Responsibilities
- Follow underwriting guidelines and execute underwriting and pricing strategies to maintain profitability goals.
- Use assigned authority to accept, reject, or mitigate risks for applications.
- Approve or decline applications within specified limits, issue coverage, and prepare referral submissions for risks exceeding individual authority.
- Ensure underwriting activities comply with industry and government regulations.
- Document underwriting files, including risk analysis and pricing justification, in accordance with established standards.
- Recommend ways clients can reduce exposure to excessive risk.
- Collaborate with the underwriting team to finalize insurance applications efficiently.
- Use multiple databases to gather and verify supplementary submission data and specialized software to compare risks and support accurate pricing.
- Respond to customer needs with guidance tailored to their insurance needs.
- Process accounts from approved quotes through policy issuance accurately and efficiently.
Benefits
- Employee Ownership Program for eligible employees.
- Professional development opportunities.
- Owner Referral Program.
- Work-from-home reimbursement for remote or hybrid roles.
- Canary emergency financial assistance program.
- Medical, dental, and vision insurance.
- Life and AD&D insurance.
- Confidential Employee Assistance Program.
- Health Savings Account with company contribution.
- Short-term disability.
- Voluntary supplemental accident, critical illness, and hospital insurance.
- Employee discounts.
- 401(k) plan with company match contribution.
- Addition Wealth Financial Wellness Program.
- Various time-off programs.
- 11 company-paid holidays.
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What This Job Offers
Job Type
Full-time
Career Level
Entry Level
