Commercial Renewal Underwriter

Insurance Property and Casualty Construction Renewal Underwriter – Lower Middle Market Commercial Accounts

Job Summary:

Responsible for analyzing and underwriting renewal applications for a variety of commercial insurance lines, including auto, property, general liability, and workers' compensation. You will work closely with agents, brokers, and internal teams to assess risk, develop competitive insurance solutions, and ensure compliance with company underwriting guidelines.

Key Responsibilities:

• Review and analyze renewal applications for small to mid-market commercial accounts, focusing on auto, property, general liability, and workers' compensation coverage.
• Evaluate risks and determine appropriate pricing and coverage terms in accordance with company guidelines.
• Collaborate with agents and brokers to gather necessary information and resolve any issues related to the renewal process.
• Develop and maintain strong relationships with agents, brokers, and clients to foster trust and facilitate effective communication.
• Provide guidance and support to internal teams, including claims and risk management, to ensure cohesive service delivery.
• Monitor industry trends, loss experience, and regulatory changes to inform underwriting decisions.
• Document underwriting files thoroughly to support decision-making and compliance standards.
• Participate in training and continuing education to enhance underwriting skills and knowledge of the insurance industry.

Key Skills and Qualifications:

• Strong understanding of commercial insurance coverages, including auto, property, general liability, and workers' compensation.
• Proficient in underwriting principles, risk assessment, and pricing methodologies.
• Excellent analytical and decision-making skills, with the ability to assess complex risk factors.
• Strong communication and interpersonal skills, with the ability to build and maintain relationships with stakeholders.
• Detail-oriented with strong organizational skills to manage multiple accounts and deadlines effectively.
• Proficient in underwriting software and Microsoft Office Suite; familiarity with agency management systems is a plus.
• Professional certification (e.g., CPCU, AU, or equivalent) is preferred but not required.