Underwriter

We are seeking an experienced Middle Market Senior Underwriter to underwrite commercial property & casualty risks in the middle market segment. As an individual contributor, you will make analytical, data‑driven underwriting decisions within delegated authority, with limited guidance from leadership. You will evaluate and price moderately complex to complex accounts (including high individual line sizes and unusual exposures in parts of North America), manage broker and client relationships, and help shape product and portfolio strategy for your line of business. To be considered for this role, candidates must reside within the specified geographic location. This position requires regular in‑person visits with local brokers and agents, so remote hires outside the designated territory cannot be accommodated. Key Responsibilities Underwrite middle market commercial accounts within assigned authority by assessing submissions, reviewing coverage terms, exposures, loss history, financials, and supporting information to determine accept/decline, terms, and pricing. Make independent, data‑driven decisions on risk selection and pricing consistent with underwriting appetite and profitability objectives. Coordinate referrals for accounts above individual authority or that require specialized support. Manage a portfolio of brokers, agents, and insureds: Maintain and grow relationships with producing brokers and agents; act as a visible Liberty representative in the market. Develop targeted broker strategies to source profitable middle market business and expand market share. Provide timely, clear responses to brokers and clients; negotiate coverage and terms while protecting portfolio profitability. Underwrite higher‑limit, complex, or unusual submissions typical to middle market clients (specialty exposures, large single‑location risks, multi‑location schedules, or industry‑specific hazards). Engage internal partners (Claims, Actuarial, Risk Control, Legal) to structure appropriate terms and risk mitigation plans. Mentor and coach junior underwriters and new hires on middle market underwriting practices, decision‑making, and Liberty processes. Qualifications Degree in Business or equivalent typically required. A minimum of 2.5 years, typically 3 or more years, of progressive underwriting experience and/or other related experience. CPCU or professional insurance designation preferred. Proven analytical ability to evaluate and judge underwriting risks within scope of responsibility that includes competence with all phases and aspects of the underwriting process, and proficiency in the use of qualitative and quantitative tools and techniques. Must demonstrate comprehension of complex technical underwriting issues and be capable of defining and implementing necessary underwriting and administrative processes/workflows to properly manage or administer those issues. Proven track record of developing and underwriting profitable business. Pay Philosophy The typical starting salary range for this role is determined by a number of factors including skills, experience, education, certifications and location. The full salary range for this role reflects the competitive labor market value for all employees in these positions across the national market and provides an opportunity to progress as employees grow and develop within the role. Some roles at Liberty Mutual have a corresponding compensation plan which may include commission and/or bonus earnings at rates that vary based on multiple factors set forth in the compensation plan for the role. Benefits This position is part of Liberty Mutual, which offers a range of benefits including health, dental, vision, life insurance, retirement plans, and paid time off. To learn more about our benefit offerings please visit: Equal Opportunity Employer Liberty Mutual is an equal opportunity employer. We will not tolerate discrimination on the basis of race, color, national origin, sex, sexual orientation, gender identity, religion, age, disability, veteran's status, pregnancy, genetic information or on any basis prohibited by federal, state or local law. Fair Chance Notice California Los Angeles Incorporated Los Angeles Unincorporated Philadelphia San Francisco #J-18808-Ljbffr