Senior Specialty Commercial Property Underwriter

Responsibilities:

• Underwrite new and renewal commercial property business within established authority and underwriting guidelines.
• Evaluate COPE information, loss history, valuation, inspections, building condition, and third-party property data.
• Determine appropriate pricing, deductibles, limits, terms, conditions, exclusions, and coverage structures.
• Manage accounts through rate, quote, bind, endorsement, and renewal.
• Communicate directly with wholesale brokers regarding underwriting requirements and coverage terms.
• Review and apply AAIS, ISO, and manuscript commercial property forms and endorsements.
• Use property valuation, hazard, geospatial, inspection, and AI-assisted underwriting tools.
• Monitor portfolio performance, concentrations, loss trends, and emerging underwriting issues.
• Mentor junior underwriting staff and support consistent underwriting documentation and decision-making.
• Contribute to underwriting guidelines, product development, and process improvement.

QUALIFICATION STANDARDS

Qualifications

• 5+ years of commercial property underwriting experience, preferably in an MGA, E&S carrier, specialty insurer, or wholesale-focused underwriting environment.
• Demonstrated experience independently pricing, quoting, and binding commercial property risks.
• Strong understanding of COPE, property valuation, loss drivers, and commercial property coverage structures.
• Familiarity with ISO and/or AAIS commercial property forms.
• Experience using underwriting workbenches, rating platforms, policy administration systems, and property risk data.
• Strong broker communication, analytical judgment, and file documentation skills.
• Experience with older, historic, specialty, or complex properties is preferred but not required.

CPCU, ARM, AU, or similar professional designation is beneficial