Lead Underwriter, Cyber

About TMHCC
Tokio Marine HCC (TMHCC) brings 50 years of service to the specialty insurance industry, today offering over 100 products to commercial customers in 180 countries around the world. Every policy we write is special, enabling our clients to do amazing things. From insuring the crops that feed us to the rock concerts that entertain us, to rescuing international travelers in trouble.
Organic growth and over 60 successful acquisitions have grown our 2023 Gross Written Premium (GWP) to over $7.5 Billion. Our workforce has grown to 4,300 worldwide ... big, but not so big that you cannot make a difference. Our Good Company values, including integrity, empowerment, and commitment to customer service, and a culture of innovation, communication, and collaboration make TMHCC a great place to work.

What We Offer

• Competitive salary and employee benefit package

• Strong learning culture

• Growth perspectives

• 6% 401K match

• 20 days of PTO and 2 Floating Days

• Paid parental leave

• An opportunity to love what you do

Job Summary
Under limited supervision, underwrite new and renewal Cyber and Tech E&O business with accountability for profitable growth, broker engagement, and disciplined portfolio management. This role evaluates complex cyber exposures, delivers timely and market-facing underwriting decisions, and partners cross-functionally with distribution, product, claims, actuarial, risk management, and operations to drive strong underwriting performance and service outcomes. The Senior Underwriter serves as a trusted resource and advisor to brokers and clients by combining sound underwriting judgment with a clear understanding of the evolving cyber threat landscape.

Key Responsibilities
• Assist in meeting annual department goals for profitability, renewal retention, new business growth and rate increase.

• Evaluate risks for acceptability within established underwriting guidelines.

• Make timely, well-reasoned underwriting decisions and clearly communicate indications, quotes, pricing rationale, coverage positions, and declinations to producers within agreed upon company time frames. Develop, manage, and deepen broker relationships to drive submission flow, grow target distribution partners, and position TMHCC as a preferred market in the cyber space. Maintain responsiveness on submissions, renewals, referrals, endorsements, and broker inquiries within established service standards.

• Act within scope of authority and consistent with company and corporate objectives, guidelines, policies and practices.

• Identify attractive target risks and proactively source opportunities within assigned territories, industry segments, and distribution channels.

• Partner with brokers to understand evolving cyber exposures and articulate TMHCC's appetite, differentiators, risk management and service expectations. Communicate and provide instruction and information to Administrative Supervisor and/or Underwriting Assistants, as required, for issuing policies and endorsements.

• Provide guidance to Administrative Supervisor and/or underwriting assistants and less experienced underwriters on account handling, documentation, service expectations, and workflow prioritization.

• Stay current on cyber threat trends, market conditions, form and wording developments, legal and regulatory issues, and emerging technologies that impact underwriting strategy.

• Contribute to broker education efforts, product enhancements, and continuous improvement initiatives that strengthen TMHCC's market presence and underwriting capabilities.

• Pursue educational classes such as Chartered Property & Casualty Underwriter (CPCU) and/or Registered Professional Liability Underwriter (RPLU), as agreed upon with management.

• Additional duties and special assignments, as requested by manager.

Competencies
Planning

• Develop work plans, establish timelines, and set goals for assigned work.

• Meet commitments on deadlines.

Communication

• Review activities, results, and recommendations with management and clients as appropriate.

Cost Management

• Drive improvement in existing business processes.

• Perform work thoroughly in a cost-efficient manner and at a high productivity level.

Business Controls and Policies

• Comply with all corporate policies and procedures.

• Report any breakdown in controls to management.

• Conduct all activities in a safe manner.

People Management

• No people management responsibility but may provide guidance to less experienced employees

Education Min/Preferred Education
4 Year Bachelor's Degree Business Administration, Accounting, Finance, a related field, or the equivalent education and/or experience

Certifications, Licenses, and Designations
Required: Studies toward attaining a Registered Professional Liability Underwriter (RPLU), Chartered Property Casualty Underwriter (CPCU), Associate in Commercial Underwriting (AU), Certified Insurance Counselor (CIC) or equivalent insurance designation depending on specialty area
Preferred: state-specific insurance license depending on specialty area

Other
• Result- and profit-oriented with the ability to balance other business considerations

• Knowledge of forms, procedures and insurance terminology

• Strong math skills

• Excellent interpersonal skills

• Team- and deadline-oriented environment

• Strong analytical, strong reasoning abilities and strong negotiation abilities

• Ability to read, analyze and interpret general business periodicals, professional journals, technical procedures and/or government insurance regulations

• Possess and have ability to apply broad knowledge of principles, practices, and procedures

• Excellent written and verbal communications skills with an emphasis on confidentiality, tact, and diplomacy

• Exceptional organizational and analytical skills; demonstrated ability to manage multiple tasks simultaneously

• Knowledgeable of industry changes, legal updates, and technical developments related to applicable area of the Company's business to proactively respond to changing business environment

• Intermediate proficiency and experience using Microsoft Office package (Excel, Access, PowerPoint, Word)

Tokio Marine HCC is an equal opportunity employer that values diversity and inclusion. We offer competitive compensation, comprehensive benefits, and professional growth opportunities within a global organization.


The pay range for this position is $122,600-$184,000 which includes geographic adjustments, where applicable. The pay range is the range THMCC, in good faith, believes is the range of compensation for this role at the time of this posting. The hired applicant will be offered pay within the entire range based on the candidate's geographic location, qualifications, work experience, education, and/or skill level. The Company is fully committed to ensuring equal pay opportunities for equal work regardless of color, race, sex, national origin, sexual orientation, religion, age, veteran status, disability, pregnancy, citizenship status, genetic information, or any other basis protected by federal, state, or local pay equity laws. You do not need to disclose your criminal history or participate in a background check until a conditional job offer is made to you. After making a conditional offer and running a background check, if the Company is concerned about a conviction that is directly related to the job, you will be given the chance to explain the circumstances surrounding the conviction or challenge the accuracy of the background report.


As an insurance company, we comply with certain federal, state and local laws such as the Violent Crime Control and Law Enforcement Act of 1994 (18 USC § 1033(e)), which restricts our ability to employ individuals with certain types of criminal convictions. Where not restricted by law and for criminal history not covered by this law, the Company will consider qualified applicants with arrest or conviction history in compliance with applicable law.


Tokio Marine HCC offers a competitive salary and a generous employee benefits package including among other benefits, subsidized medical, prescription, dental, vision and basic life and disability insurance, 401(k)plan with Company matching contributions, paid parental leave, paid time off and/or paid sick leave, and educational/loan assistance.


Tokio Marine HCC is a leading specialty insurance company underwriting more than 100 classes of specialty insurance with employees located across 180 counties. TMHCC was established in 1974 and is headquartered in Houston, Texas with offices across the United States and Europe, Mexico, Australia, and in Tokyo, Japan. The Company offers competitive compensation, great benefits, and the strength, stability, growth, and profitability that comes from being a member of the Tokio Marine Group of Companies. Tokio Marine HCC is an equal opportunity employer. Please visit for more information about our companies.