Commercial Lines Program Underwriter

Performance Expectations/Responsibilities

• Review submissions for new and renewal homeowners and condo association policies, assessing property exposures, loss history, and catastrophe risks such as hail, wildfire, and flood in Colorado.
• Organize underwriting information — applications, loss runs, building schedules, meeting minutes, financials, and reserve studies — to support complete and competitive submissions.
• Underwrite submission per carrier partner underwriting guidelines.
• Serve as the agency's technical resource on the Mountain West Preferred Condominium Program coverages and guidelines — advising producers and account executives on coverage gaps, requirements, and program structure.
• Review policy forms and endorsements at binding and renewal to ensure accuracy with program underwriting guidelines.
• Build and maintain relationships with program carrier and automation partner to ensure adherence to underwriting guidelines, policy forms, and carrier compliance.
• Affiliate with automation partner with underwriting rule implementation, system testing, and continued enhancements to support efficient quoting, regulatory compliance, and underwriting profitability.
• Evaluate risk exposures and determine appropriate premium rates by analyzing underwriting data, loss history, actuarial models, and market conditions to ensure profitability and competitiveness.
• Stay current on Colorado-specific regulatory changes, wildfire and hail market conditions, and carrier appetite shifts affecting community association placements.
• Support claims advocacy on behalf of the Mountain West Preferred Condominium Program clients — coordinating with claims team and assisting with coverage analysis on complex losses.
• Train and mentor account executives and producers on program guidelines.

Compensation & Benefits

• $90,000 – $95,000 annually
• Medical, Dental, Vision
• 401k with company match
• Paid Time Off (PTO)

Coverage Expertise Required

• Commercial property — building & common areas
• Equipment breakdown
• Water & sewer backup
• Snow load / ice dam (mountain communities)
• Wildfire / WUI endorsements & exclusions
• Casualty & Management liability
• General liability (common areas)
• Directors & Officers (D&O)
• Umbrella / excess liability
• Fidelity / employee dishonesty / crime
• Cyber liability (HOA management portals)

Required Skills

• 3–6 years of commercial P&C insurance experience in an agency, brokerage, or MGA setting; community association or habitational lines experience strongly preferred.
• Demonstrated ability to market, compare, and place complex commercial accounts.
• Strong knowledge of ISO commercial property and liability forms, manuscript endorsements, and program structures common to community associations.
• Strong knowledge of Colorado insurance regulations, property forms, and catastrophe modeling.
• Excellent written and verbal communication skills — able to explain complex coverage concepts to HOA board members, property managers, and producers.
• Proficiency with agency management systems (Applied Epic), and Microsoft Office Suite.

Preferred Qualifications

• CPCU, CIC, AU, or CIRMS (Community Insurance & Risk Management Specialist) designation — or active pursuit.
• Established relationships with Colorado HOA-focused carriers and wholesale brokers.
• Experience with MGAs, program administration, or HOA/condo insurance.
• Proven track record of profitable underwriting in high-risk property markets.

Work Environment/Physical Demands

• Extended periods of sitting at a desk while using a computer and other office equipment.
• Repetitive motion tasks, such as typing, data entry, and phone use.
• Occasional lifting of files or other materials, typically weighing up to 20 pounds.
• Ability to move freely around the office space to collaborate with colleagues or access office resources.
• Visual acuity to read documents, screens, and fine print on documents.
• Manual dexterity to operate office equipment and handle paperwork efficiently.
• Ability to maintain focus and attention to detail in a sometimes fast paced and multitasking environment.
• The office environment typically has a moderate noise level consistent with a professional office setting.
• Some travel may be required for this position, primarily for attending training sessions, conferences, or meetings with clients or stakeholders. A valid driver's license and reliable transportation may be necessary for travel to off-site locations.