Life Insurance Underwriter

We are seeking an individual with 4-5 years’ experience as a commercial multi-line renewal underwriter. The role is dedicated to managing, evaluating, pricing, and retaining existing accounts while maintaining favorable risk exposure and portfolio profitability. Handling accounts ranging from small to middle market risks and working within defined letters of authority. You will act as primary point of contact for external agency partners and brokers, using data-driven insights to negotiate renewals and ensure long term premium retention.

Risk Evaluation and Retention: Analyze, assess, and re-underwrite a defined portfolio of Commercial Lines renewal business. Evaluate business risk factors, claims history, financial stability, and loss potential to execute sound retention strategies.

Issue renewal quotes and structured proposal packages within strict company service windows.

Review and interpret detailed Agency Analysis Reports. Identify profitability trends, shifts in book composition, and substandard metrics within assigned agency accounts to mitigate long-term losses.

Broker & Agency Relationship Management: Collaborate closely with designated production underwriters, field representatives, and independent agents. Negotiate policy terms, clear up underwriting exceptions, and market alternative company products.

Policy Servicing & Compliance: Oversee the accurate execution of complex renewal processing instructions, policy endorsements, conditional renewals, or legal cancellations. Manage risks effectively within designated authority thresholds. Properly structure and escalate accounts exceeding limits to senior management or portfolio specialist teams.

Experience: 3 to 4 years of dedicated Commercial Property & Casualty (P&C) underwriting experience is strictly required. Product Knowledge: Deep working knowledge of standard Commercial Lines policy forms and lines of business, including Commercial Property, General Liability, Workers' Compensation, Commercial Auto, and Excess/Umbrella policies .

A Bachelor’s degree in Risk Management, Finance, Insurance, Business Administration, or a heavily quantitative field is preferred. AmTrust Financial Services offers a competitive compensation package and excellent career advancement opportunities. Medical & Dental Plans, Life Insurance, including eligible spouses & children, Health Care Flexible Spending, Dependent Care, 401k Savings Plans, Paid Time Off.

This concept encompasses but is not limited to human differences with regard to race, ethnicity, gender, sexual orientation, culture, religion or disabilities.

Diversity is a business imperative, enabling us to attract, retain and develop the best talent available. We see diversity as more than just policies and practices.