VP / Senior Commercial Property Underwriter - E&S (Remote)
About The Position
Vikco Insurance Services, LLC, a wholly owned subsidiary of K2 Insurance Services, LLC, is seeking a full-time remote VP / Senior Commercial Property Underwriter (E&S). This senior-level technical role independently evaluates, prices, and structures complex, high-hazard Commercial Property risks in the Excess & Surplus Lines market. With a high degree of delegated underwriting authority, the underwriter manages a profitable book of business, services a dedicated network of wholesale brokers, and mentors junior underwriting staff. The ideal candidate has expertise in layered/shared programs, non-cat and cat-exposed properties, and pricing experience at an MGU or surplus lines carrier. Vikco Insurance Services provides specialized insurance solutions and uses a rate-driven underwriting approach. The role requires regular availability during core business hours of 8:30 am to 5:00 pm in the applicant’s time zone, with additional flexibility as business needs require. Occasional business travel may be required. There are no direct reports.
Requirements
- Bachelor’s degree in business, finance, risk management, insurance, or a related field, or an equivalent combination of education and relevant experience.
- Proficiency with Microsoft 365 applications, including Outlook, Word, Excel, and Teams, and ability to learn underwriting, rating, and policy administration systems.
- Strong mathematical and analytical skills, including calculating rating bases, analyzing financial and loss data, and identifying discrepancies.
- Strong written and verbal communication skills, including the ability to explain underwriting information clearly to producers, underwriters, and internal partners.
- Ability to prioritize assignments, manage competing deadlines, and maintain accuracy in a deadline-driven environment.
- Ability to collaborate effectively with underwriting, operations, production, and other internal partners in a remote team environment.
Nice To Haves
- Five years of relevant insurance experience, preferably supporting Excess & Surplus lines commercial property underwriting, rating, policy issuance, or related operations.
- Deep expertise in layered/shared programs, non-cat and cat-exposed properties.
- Previous experience at an MGU or surplus lines carrier and responsibility for pricing.
Responsibilities
- Review underwriting submissions for completeness and accuracy, summarize exposure and risk information, and organize supporting documentation.
- Analyze exposure information, financial data, loss history, and other risk indicators to support risk selection and pricing decisions.
- Conduct and document internet and public-record research to identify risk characteristics, adverse information, and other acceptability issues.
- Calculate rating bases from verified exposure and financial data in accordance with approved underwriting guidelines.
- Enter verified exposure and rating data into the approved rating system, validate unmodified premiums, and escalate discrepancies for review.
- Rate complex accounts using approved rating methodologies, underwriting guidelines, and exposure data.
- Complete and document loss analyses, identify loss trends and severity drivers, and summarize findings for underwriting review.
- Prepare and distribute accurate binders to producers according to approved terms, conditions, pricing, and service standards.
- Issue policies and endorsements, confirm they reflect approved underwriting terms, and distribute them to producers within required timelines.
- Maintain complete, accurate, and current files for pending, closed, canceled, and bound policies in accordance with departmental procedures and record-retention requirements.
- Maintain proficiency in departmental underwriting, rating, policy administration, and workflow systems and processes.
- Support special projects by gathering and validating information, coordinating assigned activities, and completing deliverables within established timelines.
- Develop and maintain effective working relationships with producers through clear communication, timely responses, and accurate information.
- Participate in team meetings and trainings, contribute to discussions, and complete assigned follow-up actions.
- Serve as a technical mentor to junior underwriting staff.
Benefits
- Competitive pay
- Bonus plan
- Medical, dental, and vision insurance with no waiting period
- Generous paid time off in year of hire
- 401(k) with employer matching
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What This Job Offers
Job Type
Full-time
Career Level
Senior
