Production Underwriter

Job Details Job Location: BFC HQ - Saint Petersburg, FL 33701 Production Underwriter – Small Business / Businessowners Policy (BOP) About Bankers Insurance Group Founded in 1976, Bankers Insurance Group has grown from a small local company into a diverse corporation known for innovative insurance products and superior customer service. We offer a variety of property and casualty products and services, including businessowners, builder’s risk, personal and commercial flood, and specialized coverages. Insurance and financial services remain at the core of our business, supported by more than 45 years of industry expertise and service. As the domestic and global economy and society continue to evolve, we embrace change with a spirit of understanding, growth, innovation, and entrepreneurship—developing new products, services, and partnerships to meet changing needs. Our core values include Collaboration, Innovation, Performance, Social Responsibility, and Trust. We believe in acting with integrity and transparency, holding ourselves accountable for exceptional performance, pursuing excellence, embracing creative solutions, and creating a positive impact for our customers, employees, communities, and environment. The Opportunity Bankers Insurance Group is seeking an experienced Production Underwriter to join our Small Business Underwriting team and help drive profitable growth within our Businessowners Policy (BOP) portfolio. This is a production-focused underwriting role for someone who combines strong technical underwriting judgment with a commercial, growth-oriented mindset. You will understand our appetite, develop strong agency relationships, respond quickly to opportunities, and find ways to structure and win accounts that make sense for both Bankers and our agency partners. Approximately 70% of the role will focus on new business production, with the balance dedicated to renewal underwriting, portfolio management, and broader team objectives. Although this is a production role, production does not mean being in the field full time. Agency relationships will be developed through a combination of proactive virtual engagement and purposeful in-person interaction. Anticipated travel is less than 30% annually, focused on agency visits, market development opportunities, industry events, and other activities where face-to-face engagement can meaningfully support profitable growth. You will also join an experienced underwriting team and contribute to a culture that balances profitable growth, underwriting discipline, responsiveness, and accountability. What You’ll Do Drive Profitable New Business Growth Spend approximately 70% of your time evaluating, quoting, negotiating, and producing new Small Business BOP accounts. Own new business production goals within an assigned territory or agency group. Develop and actively manage a pipeline of new business opportunities. Quickly identify submissions that fit our appetite and prioritize opportunities with the greatest potential. Apply sound underwriting judgment to determine risk acceptability, coverage, pricing, terms, conditions, and appropriate risk structure. Look for ways to write the account before looking for reasons to decline it, while maintaining underwriting standards and profitability expectations. Negotiate effectively with agents to improve account quality, pricing, terms, and likelihood of binding. Maintain a strong sense of urgency around new business opportunities and provide the responsiveness agents expect in a competitive market. Proactively follow up on outstanding quotes and understand what it will take to win desirable accounts. Monitor production results, hit ratios, submission quality, and portfolio performance, adjusting activity as needed. Build Strong Agency Partnerships Develop productive relationships with assigned independent agents and become a trusted underwriting partner. Proactively engage agencies through phone, video, email, and targeted in-person interaction. Clearly communicate Bankers' BOP appetite and help agents identify accounts where we can compete and win. Work with agents to improve submission quality and develop opportunities before they reach the quoting stage. Conduct targeted agency visits and participate in market-facing activities when in-person engagement can strengthen relationships or create new business opportunities. Use travel purposefully, prioritizing agencies and opportunities with meaningful potential for profitable growth. Partner closely with Distribution to coordinate agency engagement, identify growth opportunities, and align underwriting and distribution activities. Understand where Bankers wins and loses business and bring relevant market intelligence back to Underwriting, Distribution, and Product leadership. Anticipate less than 30% annual travel, based on business needs and market opportunities. Maintain Strong Underwriting Discipline Underwrite within established authority, guidelines, pricing expectations, and risk appetite. Balance production objectives with long‑term portfolio profitability. Exercise sound judgment when risks do not fit neatly within standard guidelines and identify appropriate ways to structure acceptable opportunities. Recognize when a risk requires additional analysis, modification, escalation, or should not be written. Clearly document underwriting decisions and rationale. Monitor the quality and performance of business produced and take ownership of results beyond the initial bind. Maintain awareness of emerging loss trends, competitive conditions, and changes in the small commercial marketplace. Manage the overall quality and performance of the assigned portfolio—not simply new business premium. Contribute to the Team Bring a collaborative, production‑oriented perspective to an experienced Small Business Underwriting team. Share successful approaches to agency engagement, pipeline management, negotiation, and new business conversion. Partner with fellow underwriters on challenging accounts and opportunities. Help strengthen the team's ability to compete and win as market conditions change. Share market observations and competitive intelligence that can improve underwriting, product, and distribution decisions. Provide feedback to Product and Underwriting leadership regarding appetite, pricing, workflows, system capabilities, and competitive opportunities. Challenge existing thinking constructively while learning from the experience and expertise of the broader team. Contribute to a culture of continuous improvement, accountability, collaboration, and profitable growth. What Success Looks Like Success in this role isn't simply writing more business. It means producing the right business and taking ownership of how that business performs. The successful Production Underwriter will: Consistently achieve profitable new business production goals. Develop and maintain a healthy pipeline of qualified BOP opportunities. Build strong relationships with agents who understand and actively utilize our appetite. Demonstrate competitive quote‑to‑bind results while maintaining underwriting discipline. Make timely, confident underwriting decisions. Proactively follow up on opportunities and work to convert quality quotes into bound accounts. Know when to compete aggressively, when to find a different structure, and when to walk away. Produce business that performs within our profitability expectations. Use agency travel and market engagement strategically rather than measuring production by time spent in the field. Positively influence the team's production mindset and contribute to overall Small Business growth objectives. What We’re Looking For 5+ years of commercial lines underwriting experience, preferably in Small Commercial (BOP) and Lower Middle Market (Commercial Package). Demonstrated success underwriting and producing new commercial business. Strong understanding of commercial property and general liability exposures, classifications, coverage, pricing, and risk selection. Proven ability to develop productive relationships with independent agents. Ability to navigate change, adapt quickly to evolving priorities and market conditions, and maintain sound judgment and execution in a fast‑paced, results‑oriented environment. Strong negotiation and decision‑making skills. Ability to balance underwriting discipline with commercial judgment. Comfort working in a production‑oriented environment with measurable new business goals. Strong organizational skills and demonstrated ability to actively manage a pipeline of opportunities. Ability to communicate underwriting decisions clearly and confidently. Willingness to proactively engage agents by phone, video, email, and through targeted in‑person meetings. Ability and willingness to travel less than 30% annually, based on business needs. Competitive, curious, collaborative, and results‑oriented mindset. CPCU, CIC, AU, ARM, or another relevant professional designation preferred. The Underwriter We’re Looking For You may be a strong fit if you believe underwriting discipline and growth aren't opposing objectives. The best production underwriters understand the risk, know their appetite, build strong agency relationships, move with urgency, and use their underwriting expertise to find ways to write profitable business. You enjoy winning good accounts and understand that responsiveness matters. You're comfortable picking up the phone and talking through an opportunity with an agent rather than relying solely on email or an underwriting system. You proactively follow up on quotes and want to understand why you won or lost an account. You don't need every risk to fit perfectly into a box. You're willing to ask, "How could we write this?" before concluding that we can't. At the same time, you have the judgment and discipline to recognize when the economics or exposure simply don't make sense—and you're willing to walk away from a bad deal. You understand that being a production underwriter isn't measured by how many days you spend on the road. It’s measured by the quality of the relationships you build, the opportunities you create and convert, and the profitable business you produce. Most importantly, you take ownership of the business you write—not just the premium you produce, but how that business ultimately performs. The preceding position description has been designed to indicate the general nature of the work performed, the level of knowledge and skills typically required, and the usual working conditions of this position. It is not designed to contain or be interpreted as a comprehensive, complete, or exclusive list of the duties of the position. Additional and different duties may be assigned from time to time. We are an E-Verify company. Bankers Financial Corporation and its subsidiaries are Equal Opportunity Employers. We do not discriminate on the basis of race, color, religion, sex, national origin, age, disability, veteran status, or any other status protected by law. We are committed to providing reasonable accommodations to qualified individuals with disabilities. Employment with Bankers Financial Corporation and its subsidiaries is at‑will, meaning that either the employee or the company may terminate the employment relationship at any time, with or without cause or notice. Employment may also be contingent upon the successful completion of a background check and/or drug screening, where applicable. Applicants must be authorized to work in the United States. #J-18808-Ljbffr