Excess & Surplus - Underwriter

The Cincinnati Insurance Companies prioritize people and apply the Golden Rule to daily operations. Join our team to help protect families and businesses, fostering productive relationships and embracing challenges in a diverse, collaborative environment.

About the role

This position involves partnering with producers and an assigned underwriting assistant to solicit, underwrite, and price new and renewal surplus lines commercial property and casualty business. You will determine risk acceptability, pricing, coverage, terms, and conditions while achieving production and loss ratio goals within an assigned regional territory. The role requires independent decision-making, securing appropriate reinsurance, mentoring underwriters, and developing business relationships with producers and reinsurers. Travel within the assigned territory, including overnight stays, may be required.

Responsibilities

• Determine individual risk acceptability, pricing, coverage, terms, and conditions for surplus lines commercial property and casualty business.
• Develop, analyze, and evaluate information and exposures for complex risks.
• Achieve production and loss ratio goals within an assigned regional territory.
• Work independently with a high level of authority and judgment.
• Determine the need for and secure appropriate reinsurance on individual accounts.
• Mentor and train underwriters and underwriting assistants.
• Develop successful business relationships with producers and reinsurers.
• Research new products and coverage forms.
• Travel within the assigned territory, which may include overnight stays.

Requirements

• Property and casualty underwriting experience.
• Proficient use of Microsoft® Word, Excel, and Outlook.
• Strong interpersonal, organizational, and time management skills.
• Strong decision-making, analytical, and negotiating abilities.
• Ability to build relationships, listen effectively, and develop positive working relationships with team members and agents.
• Skilled use of verbal communication to explain, negotiate, and present information.
• Valid driver’s license; final candidates will be subject to a Motor Vehicle Record background check.
• Reside within Michigan or in proximity to Fairfield, OH Headquarters.

Qualifications

• Bachelor’s degree or extensive relevant excess and surplus lines underwriting experience.
• 5+ years of experience working with commercial lines property and casualty products.
• Prior excess and surplus casualty underwriting experience with a carrier, broker, or MGA is preferred.
• ASLI or CPCU designations preferred.
• Candidates with a carrier background will be given preference; complete training is provided in Cincinnati, OH, prior to deployment to the regional territory.

Pay

The pay range for this position is $75,000 - $140,000 annually, based on the applicant’s education, experience, location, knowledge, skills, and abilities. Eligible associates may also receive an annual cash bonus and stock incentives based on company and individual performance.

Benefits

To increase well-being and satisfaction, we offer a variety of benefits and amenities, including:

• Tools and training for lifelong learning and career development.
• Opportunities to become a trusted, respected insurance professional.
• Recognition for commitment to service, best practices, and impactful solutions.