Senior Underwriter (FULL-TIME)

Hinterland Insurance is part of FTP Inc, an independently owned and operated insurance MGU. FTP represents non‑admitted insurance companies and offers insurance programs nationwide, including commercial property and casualty, and excess and surplus lines.

In addition to competitive compensation and benefits, we offer a flexible/hybrid work environment and the opportunity to join a team of experts. We are seeking an experienced and business‑minded AVP, Senior Underwriter to help lead and grow our commercial property, E&S, and DIC book. This is a senior individual‑contributor role with a leadership dimension: in addition to underwriting complex, high‑value, and hard‑to‑place property risks, you will serve as a technical referral point for the underwriting team, mentor junior underwriters, own broker and distribution relationships, and help shape underwriting strategy and appetite. Underwrite and analyze complex commercial property, E&S, and DIC risks for new and renewal business, including CAT‑exposed, high‑value, shared‑and‑layered, and manuscript‑form accounts, ensuring alignment with underwriting guidelines and risk appetite.

Own and grow a profitable book of business, taking accountability for risk selection, pricing, profitability, retention, and growth across an assigned territory or portfolio.

Serve as a senior technical referral authority for the underwriting team; review and approve risks that exceed the authority of more junior underwriters and provide guidance on complex or unusual submissions.

Quote, rate, and bind business in the internal underwriting management system and carrier contract binding platforms, ensuring timely and accurate processing of quotes, binders, policies, and endorsements.

Perform location‑level and peril‑level exposure analysis, applying CAT modeling output and PML considerations to determine appropriate terms, conditions, pricing, limits, and deductibles.

Develop, maintain, and refine underwriting guidelines and best practices, ensuring alignment with industry standards, regulatory requirements, carrier requirements, and company objectives.

Mentor, coach, and develop junior underwriters and underwriting assistants, supporting talent development within the team.

Monitor market trends, competitor activity, loss ratios, and portfolio performance; recommend adjustments to strategy and appetite in partnership with underwriting management.

Collaborate with internal partners including claims, actuarial, compliance, and operations to support the end‑to‑end underwriting process.

Maintain accurate records of underwriting decisions, referrals, and policy endorsements; 7+ years of commercial property underwriting experience, with meaningful exposure to E&S / non‑admitted business; Demonstrated experience underwriting CAT‑exposed property, high‑value and complex risks, shared‑and‑layered placements, and manuscript forms.

Strong technical command of insurance policies, contracts, endorsements, and industry regulations across multiple states.

Experience serving as a technical referral point and/or mentoring junior underwriters.

Excellent analytical skills with the ability to assess complex risks and make sound, well‑documented decisions.

Proficient in underwriting software, CAT modeling tools, carrier binding platforms, and MS Office (Excel, PowerPoint, Word, Outlook).

Willingness to travel periodically to meet with brokers, agents, and distribution partners.

Salary: $115,000 - $165,000 depending on experience, plus bonus. (Job Type: Full‑time

Health, Dental, and Vision Insurance

Life and Disability Insurance

Flexible schedule

As an Equal Opportunity Employer, employment decisions at FTP of California are made without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other legally protected characteristic.

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