Product Underwriter - Commercial Lines

Product

This role is built for an experienced commercial underwriter who is ready to do more than work submissions. You will bring your underwriting judgment to bear on how the product itself is designed: the forms, the appetite, the guidelines, the portfolio strategy. You will also serve as the senior underwriting voice on referrals.

Responsibilities

• Serve as the referral underwriter for complex submissions, larger accounts, and accounts that fall outside front-line authority across all lines of business
• Bring underwriting discipline to the design of the product — translating years of desk experience into the guidelines, eligibility criteria, and appetite that will govern the book
• Document referral patterns and feed them back into refinements of underwriting guidelines and authority levels
• Partner with the CUO and Head of Commercial Lines to define product appetite and underwriting guidelines
• Contribute to forms strategy and helping design proprietary endorsements that address coverage gaps and differentiate the product
• Collaborate with Actuarial on the translation of underwriting judgment into rating variables and rules
• Partner with IT on PAS and rating engine configuration — the underwriting questions, business rules, and referral triggers that will shape day-to-day workflows
• Work with Legal and Compliance on form filings and admitted vs. non-admitted product structure

Qualifications

• Bachelor's degree in finance, Business Management, Economics is preferred
• Authorized to work in the U.S. (U.S. Citizen or Green Card Holder)
• 4+ years of hands-on commercial property and casualty underwriting experience, with a track record of managing a profitable book of business
• Strong working knowledge of commercial forms — CGL, BOP, Commercial Property — and how endorsements modify base coverage
• Demonstrated underwriting judgment on complex or non-standard accounts — the kind of judgment that comes from years of working the desk
• Strong portfolio mindset — able to think beyond the individual account to what a book of business needs to perform
• Comfort with ambiguity and the build environment; this is a buildout inside an established company, and the right person will help shape decisions rather than wait for them
• Excellent written and verbal communication skills
• Prior experience contributing to product development, forms drafting, or underwriting guideline authoring

Benefits

• Competitive base pay and performance bonuses
• Mentorship, growth tracks, and professional development
• Medical, dental, vision, 401k, paid holidays, PTO and more!