VP / Senior Commercial Property Underwriter - E&S (Remote)

K2 Security Insurance•San Diego, CA

7d•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). Vikco provides specialized insurance solutions and uses a rate-driven underwriting approach. The company describes itself as established and in growth mode. This senior-level technical role independently evaluates, prices, and structures complex, high-hazard Commercial Property risks in the Excess & Surplus Lines market. The underwriter operates with a high degree of delegated underwriting authority, 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 and non-catastrophe and catastrophe-exposed properties, and prior experience pricing at an MGU or surplus lines carrier. The position requires regular availability during core business hours of 8:30 a.m. to 5:00 p.m. in the applicant’s time zone, with additional flexibility as business needs require. Occasional business travel may be required. There are no direct reports. The salary range is $140,000–$185,000, depending on experience and location.

Requirements

Proficiency with Microsoft 365 applications, including Outlook, Word, Excel, and Teams, and the ability to learn underwriting, rating, and policy administration systems.
Strong mathematical and analytical skills, including the ability to calculate rating bases, analyze financial and loss data, and identify discrepancies.
Strong written and verbal communication skills, including the ability to explain underwriting information clearly to producers, underwriters, and internal partners.
Ability to prioritize multiple 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.
Bachelor’s degree in business, finance, risk management, insurance, or a related field, or an equivalent combination of education and relevant experience.
Expertise in layered/shared programs and non-catastrophe and catastrophe-exposed properties.
Prior experience at an MGU or surplus lines carrier and responsibility for pricing.

Nice To Haves

Five years of relevant insurance experience, preferably supporting Excess & Surplus Lines commercial property underwriting, rating, policy issuance, or related operations.

Responsibilities

Review underwriting submissions for completeness and accuracy, summarize relevant exposure and risk information, and organize supporting documentation in the approved file format.
Analyze exposure information, financial data, loss history, and other relevant risk indicators to support risk selection and pricing decisions.
Conduct and document internet and public-record research to identify risk characteristics, adverse information, or other issues that may affect risk acceptability.
Calculate rating bases accurately from verified exposure and financial data in accordance with approved underwriting guidelines.
Enter verified exposure and rating data into the approved rating system, validate resulting 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 relevant loss trends and severity drivers, and summarize findings for underwriting review.
Prepare and distribute accurate binders to producers in accordance with approved terms, conditions, pricing, and service standards.
Issue policies and endorsements, verify that documents reflect approved underwriting terms, and distribute completed documents to producers within required service 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 the department’s 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, prompt responses, and accurate information throughout the underwriting process.
Participate in team meetings and trainings by preparing relevant information, contributing to discussions, and completing assigned follow-up actions.
Manage a profitable book of business and service a dedicated network of wholesale brokers.
Serve as a technical mentor to junior underwriting staff.