Underwriter (Property & Casualty)

Integrated Specialty Coverages•Los Angeles, CA

3d•Hybrid

About The Position

Integrated Specialty Coverages, LLC (ISC) is a growth-stage, technology- and data-driven commercial managing general agent and insurance wholesaler. The company distributes insurance products online for a range of industries and businesses across Main Street USA, and is building a digitally focused team with expertise in user experience, data, and AI/ML. The Underwriter reviews insurance applications and evaluates whether to accept or decline coverage based on established underwriting guidelines. The role determines suitable coverage levels and pricing based on exposures and individual risk characteristics, assesses excessive risks, and evaluates policy value to support safe and profitable risk distribution. The Underwriter becomes familiar with commercial insurance applications and industry terminology, works with clients and teammates to complete applications, and processes approved quotes through policy issuance. The position is hybrid and based in ISC’s Los Angeles or Carlsbad office. ISC offers a range of benefits and programs, including medical, dental, and vision coverage, retirement-plan matching, paid time off, employee ownership, professional development, and work-from-home reimbursement for remote or hybrid roles.

Requirements

Bachelor’s degree required.
1–5 years of P&C underwriting or related insurance experience required.
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 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 credential.

Responsibilities

Adhere to underwriting guidelines and execute underwriting and pricing strategies to maintain profitability goals.
Use assigned authority to accept, reject, or mitigate risk for applications.
Approve or decline applications within authority 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 applications efficiently.
Use databases to gather and verify supplementary submission data and specialized software to compare risks and support accurate policy pricing.
Respond to customer needs by providing guidance and assistance tailored to their insurance needs.
Process accounts from approved quotes through policy issuance accurately and efficiently.