Underwriting Director, Wholesale Property - Navigators, a Brand of The Hartford

The Hartford•Boston, NY

13d•Hybrid

About The Position

The Underwriting Director in Navigators Wholesale Property is responsible for underwriting, servicing, and growing a profitable book of excess and surplus (E&S) property business through wholesale brokers. The role focuses on all segments of E&S property on full-limits, primary, excess, and quota-share bases. Relevant expertise includes named-peril, all-risk, and single-catastrophe underwriting across classes such as habitational, light manufacturing, mixed real estate, and other E&S-related risks. The position underwrites new and renewal business, analyzes the assigned book quarterly, develops action plans with a manager, applies underwriting guidelines, and handles complex accounts with limited involvement from managers or referral teams. It also coaches junior underwriters, proposes insurance programs suited to account risks and profitability, develops territory and brokerage sales strategies, maintains a new-business pipeline, and serves as a trusted technical resource to brokers. The role requires command of policy language and relevant laws, collaboration on underwriting guidelines, and proactive attention to book profitability. The role may follow a hybrid schedule. Candidates living near an office are expected to work onsite Tuesday through Thursday, three days per week. The annualized base pay range is $172,000–$258,000. Additional compensation may include short-term or annual bonuses, long-term incentives, and on-the-spot recognition.

Requirements

10+ years of E&S property underwriting experience.
Demonstrated success developing and maintaining solid relationships with internal and external business partners.
Excellent communication, interpersonal, and presentation skills.
Ability to analyze business problems, make recommendations, and propose solutions.
High energy, self-starting approach, resilience, and entrepreneurial spirit.
Solid time, organizational, and desk-management skills.
Goal-oriented approach and ability to deliver outcomes.
Ability to challenge the status quo and compete to win.
Superior technical knowledge, sound decision-making, and analytical skills.

Nice To Haves

Experience working with wholesale insurance brokers is preferred.

Responsibilities

Underwrite, service, and grow a profitable book of E&S property business through wholesale brokers.
Underwrite new and renewal business and achieve assigned departmental goals and objectives.
Analyze the assigned regional or departmental book quarterly and develop appropriate action plans with a manager.
Apply underwriting guidelines when making account decisions and underwrite complex business with limited managerial or referral-team involvement.
Coach and support junior underwriters on underwriting, coverage, policy language, and agency management.
Propose insurance programs that reflect risk quality, exposures and controls, loss experience, and company profitability objectives.
Build territory sales plans and create, drive, and execute strategies for new and renewal accounts with individual brokerages.
Lead sales-plan development and checkpoints with brokers where appropriate, and maintain a pipeline of new-business prospects.
Communicate account strategy to brokers and serve as a trusted advisor and solution provider.
Apply knowledge of The Hartford’s other business segments to support a One Hartford approach to agency and account management.
Conduct cost-benefit analyses before proposing changes.
Maintain thorough knowledge of applicable federal, state, and local laws and contribute to underwriting-guideline creation and maintenance with the product team.
Monitor profitability trends in the departmental and individual books and seek opportunities to improve results.