Contractor - Insurance / Underwriter

At weSure , we're reimagining small business insurance by making commercial coverage simpler, more accessible, and more transparent.

Our digital-first platform combines technology, data, and advanced underwriting to make it easier for small business owners and agents to get the coverage they need. We focus on the unique needs of small businesses across industries including restaurants, retail, professional services, contractors, real estate, healthcare, and more.

As we continue to grow, we're looking for an experienced Senior BOP Underwriter to help us build and manage a profitable commercial insurance portfolio.

We are looking for a highly experienced Business Owners Policy (BOP) Underwriter with a strong background in commercial lines and small business insurance.

This is a senior-level role for an underwriting professional who can independently evaluate risks, make sound underwriting decisions, structure coverage, develop pricing, and manage a profitable book of business.

The ideal candidate combines deep BOP underwriting expertise with strong analytical judgment, commercial awareness, and the ability to work effectively with agents and brokers .

You will also have the opportunity to contribute to underwriting strategy and help shape processes in a technology-driven insurance environment.

Underwriting & Risk Selection

Evaluate BOP and small commercial submissions across a broad range of industries.

Analyze applications, loss runs, financial information, inspections, and supplemental underwriting documentation.

Assess property, general liability, business income, equipment breakdown, cyber, crime, and other commercial exposures.

Determine account eligibility based on underwriting guidelines, risk appetite, and portfolio objectives.

Identify adverse selection, emerging risks, and trends that may impact profitability.

Develop appropriate pricing based on risk characteristics, loss experience, and market conditions.

Manage and maintain a profitable book of commercial business.

Monitor loss ratios, retention, growth, and agency performance.

Conduct renewal reviews and identify opportunities for account expansion.

Help agents structure accounts appropriately and improve submission quality.

Participate in agency meetings and business planning discussions.

Serve as a trusted underwriting resource for agency partners.

Serve as a technical resource and mentor to junior underwriting professionals.

Stay current on commercial insurance trends, regulatory developments, and emerging risks.

Support quality assurance, compliance, and underwriting governance.

Strengthen agency relationships and improve submission quality.

Identify emerging risks and recommend appropriate underwriting actions.

Contribute to underwriting strategy and process improvement.

10+ years of commercial lines underwriting experience.

• Proven experience managing a profitable commercial book of business.
• Strong background in small commercial insurance and/or middle-market risks.
• Strong knowledge of commercial property and liability coverages.
• Excellent risk selection and underwriting judgment.
• Strong analytical and financial assessment skills.
• Business Owners Policies (BOP)

Commercial General Liability (CGL)

Commercial Property

Equipment Breakdown

Cyber Liability

Inland Marine

Hired & Non-Owned Auto

Commercial underwriting and policy administration systems

Risk modeling and predictive analytics

Microsoft Excel and other analytical tools

Bachelor's degree in Insurance, Risk Management, Finance, Business Administration, or a related field.

CPCU, AU, CIC, ARM, or another relevant insurance designation.

Experience with portfolio optimization, book roll analysis, and renewal strategies.

Experience working in a technology-enabled, digital, or data-driven insurance environment.

When you join weSure, you’re playing an integral part in the next generation of business insurance, helping us deliver simple, transparent and effective policies with the click of a button.

You will constantly be faced with exciting issues and ever-changing challenges that will always keep you engaged, inspired, and operating at the top of your game.

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