Commercial Underwriter

Commercial Underwriter

Tampa, Florida, United States

If you're looking for the stability of a profitable, growing company with the entrepreneurial spirit of a startup, we're hiring. SageSure, a leader in catastrophe-exposed property insurance, is seeking a commercial underwriter. This role will be onsite for a minimum of three days a week in our Tampa, FL office.

What you'd be doing:

• Evaluate submissions received from producers for completeness and accuracy, including ensuring the data provided is the most current available.
• Collaborate with agents, brokers, and other underwriters to develop appropriate coverage and pricing for each policy, including understanding current placement and desired terms and conditions for submissions as received.
• Conduct individual risk assessments per company-established guidelines and pricing parameters, communicate regularly with producer regarding submission status, and explain underwriting requirements and philosophy.
• Review and approve or deny policy applications and endorsements within assigned authority.
• Conduct and update renewal policies in advance of regulatory notice periods to determine desire to offer renewal or non-renew the risk based on current risk characteristics and loss experience.
• Maintain accurate records and documentation of underwriting decisions and risk assessments.
• Continually evaluate portfolio of policies accepted and work with other departments to ensure the book of business is optimized in accordance with company-established parameters and guidelines. Conduct numerical analysis and make recommendations on exposure management issues.
• Maintain market currency by continually seeking information regarding competitor actions, placements, and activities. Report and update other departments (e.g., Marketing, Claims, etc.) of opportunities or threats based on these findings.
• Develop and maintain strong relationships with brokers, agents, and other industry professionals to expand our network and ensure a positive customer experience.
• Provide guidance and support to less experienced underwriters and participate in training and development programs.
• Execute underwriting project research to develop and improve underwriting policies, practices, procedures, workflows, and systems. Coordinate with other departments as needed.
• Aid with developing business requirements and performing user acceptance testing in support of system initiatives.
• Conduct policy audits, ensuring compliance with underwriting rules, policies, practices, procedures, and all laws and regulations.
• Provide underwriting and technical training to other departments.
• May perform other related duties and special projects as assigned or requested.

We're looking for someone who has:

• A Bachelor's Degree in a related field or an equivalent combination of education, training, and work experience.
• At least two years' experience in property and casualty underwriting.
• Strong knowledge of commercial business owners' coverage, property risk exposures, underwriting procedures, and regulations.
• Demonstrated ability to evaluate risk eligibility, review loss experience, interpret property inspection reports, and make sound risk-based decisions.
• Familiarity with catastrophe modeling, commercial residential construction types, and exposure management.
• Exceptional verbal and written communication skills, with a proven ability to build and maintain producer and customer relationships.
• Proficiency with insurance software, MS Office Suite, and tools for managing data and underwriting workflows.
• Ability to work independently or collaboratively in a fast-paced, dynamic environment with minimal supervision.
• Experience mentoring and providing training to less experienced team members and contributing to improving underwriting practices.
• Knowledge of market conditions, competitor actions, and the ability to adjust strategies in response to evolving market trends.
• Strong analytical skills with the ability to make informed, calculated risk decisions and solve complex underwriting issues.

Highly preferred candidates also have:

• Advanced insurance industry designations such as CPCU, CIC, or ARM.
• Experience with commercial residential construction types and understanding of coastal state insurance markets.
• Demonstrated ability to recommend innovations or new product offerings based on market trends.