Garage Underwriter

Responsibilities

• Evaluate, quote, and bind garage risks, including repair shops, dealerships, towing operations, body shops, and automotive service centers.
• Analyze exposures, financial indicators, operational controls, and loss history to determine eligibility, pricing, and coverage structure.
• Develop comprehensive coverage programs, including Garage Liability, Garagekeepers, Property, Inland Marine, and Umbrella policies.
• Serve as the primary production driver for the garage segment, maintaining a consistent monthly new business cadence.
• Balance competitiveness with underwriting discipline to ensure long-term portfolio profitability.
• Build and actively manage a specialized niche book of business within the Texas garage marketplace.
• Develop and maintain strong relationships with carrier underwriters.
• Negotiate pricing, coverage enhancements, deductibles, and policy terms to optimize placement outcomes.
• Identify optimal carrier markets and expand underwriting capacity.
• Stay informed on carrier appetite changes, underwriting guidelines, and emerging market opportunities.
• Manage renewal strategies to improve retention, pricing adequacy, and coverage alignment.
• Maintain accurate and timely documentation within agency management systems.
• Ensure compliance with underwriting guidelines, regulatory requirements, and internal procedures.
• Career development and professional growth opportunities within the organization.

Qualifications/Requirements

• Active Texas Property & Casualty license or ability to obtain promptly.
• Minimum of 2 years’ experience in commercial lines insurance with a focus on garage, transportation, or automotive service risks.
• Experience working directly with carrier underwriters and navigating underwriting guidelines.
• Strong analytical, negotiation, and problem-solving skills.
• High School diploma or equivalent.