Livestock Underwriter

About the role

The Livestock Underwriter position at Palomar is part of a rapidly growing and innovative insurer focused on providing specialty insurance to residential and commercial customers. Palomar is known for its entrepreneurial spirit and dynamic, diverse team culture.

Responsibilities

• Review and underwrite livestock insurance applications, policy changes, and endorsements in accordance with RMA Livestock Program policy provisions, underwriting rules, and actuarial documents.
• Evaluate eligibility, insurable interest, livestock inventories, and coverage elections for programs including Livestock Risk Protection (LRP), Livestock Gross Margin (LGM), and other approved livestock products.
• Ensure compliance with applicable policy terms, Special Provisions, actuarial tables, and RMA underwriting procedures.
• Validate policyholder reported data including ownership documentation, production records, and livestock inventory records to ensure accuracy and insurability.
• Maintain working knowledge of RMA Livestock Insurance Standards Handbook, Loss Adjustment Standards Handbook (LASH), applicable underwriting procedures, and associated program bulletins and manager’s bulletins.
• Ensure policies are administered in compliance with the Standard Reinsurance Agreement and all applicable federal program requirements.
• Document underwriting decisions and maintain audit-ready files consistent with AIP record retention standards.
• Identify potential program vulnerabilities, reporting inconsistencies, or compliance concerns and escalate as appropriate.
• Serve as a primary underwriting resource for agents regarding livestock program eligibility, policy provisions, and coverage elections.
• Provide guidance regarding reporting requirements, sales closing deadlines, coverage endorsements, and policy servicing transactions.
• Aid in agent training and onboarding related to livestock insurance program rules and underwriting expectations.
• Support agent retention and business development through responsive service and technical expertise.

Requirements

• 1–3 years of relevant experience in underwriting, insurance processing, agriculture, or customer service.
• Associate or bachelor’s degree preferred; High School Diploma or GED required.
• Crop/Livestock insurance experience is preferred but not required.
• Highly detail-oriented and organized with excellent time management skills.
• Strong communication and interpersonal skills; able to convey complex information clearly.
• Proficient in Microsoft Office (Excel, Outlook, Word) and underwriting systems.

Qualifications

• Comfortable in a fast-paced, dynamic environment with shifting priorities.
• Positive team player who thrives in a collaborative work culture.

Skills

• Excellent problem-solving abilities.
• Ability to work autonomously and drive progress.
• Intellectually curious, creative, and pragmatic.

Benefits

• Full Suite of Medical Benefits
• Long Term Financial Incentives – STOCK!
• 401k with 3.5% Automatic Fully Vested Employer Contributions
• Competitive PTO + Holiday Program
• Lifestyle Spending Allowance
• Professional Development Assistance
• Career Exploration Opportunities
• Regular company-wide social events (even virtually!)

Pay

$60,000 - $70,000 + Bonus Potential & Participation in our Competitive Long-Term Incentive (LTI) Program. The above pay range is for all US-based roles based on function and level, benchmarked against companies of similar size and scope. To be compliant with local legislation as well as provide greater transparency to candidates, we disclose salary ranges on all job postings regardless of the desired job location. We also offer a competitive annual discretionary bonus program and the opportunity for annual long-term incentive stock grants. In addition, we offer a highly competitive benefits package.