Senior Underwriter, Middle Market Multi-Industry

Middle Market Senior 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

Employees should review all role requirements and apply only for positions for which they are eligible. Hiring processes may vary by country, including differences in procedures, requirements, and timelines. For country-specific details, please consult your local recruiting / HR team.

At Liberty Mutual, our goal is to create a workplace where everyone feels valued, supported, and can thrive. We build an environment that welcomes a wide range of perspectives and experiences, with inclusion embedded in every aspect of our culture and reflected in everyday interactions. This comes to life through comprehensive benefits, workplace flexibility, professional development opportunities, and a host of opportunities provided through our Employee Resource Groups. Each employee plays a role in creating our inclusive culture, which supports every individual to do their best work. Together, we cultivate a community where everyone can make a meaningful impact for our business, our customers, and the communities we serve.

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