Underwriter

Position Summary

Are you an experienced commercial insurance underwriter who thrives at the intersection of risk, compliance, and operational excellence? Prestige Trucking Insurance is looking for a sharp, driven Underwriter to play a pivotal role in one of the most dynamic segments of the insurance industry — commercial trucking. In this role, you won't just be reviewing policies from behind a desk. You'll be a key decision-maker, directly influencing how the company evaluates and manages commercial auto risks, maintains carrier relationships, and drives profitability across departments.

Essential Duties / Responsibilities

• Maintain goals and objectives for each subdivision and ensure alignment with company expectations.
• Hold each manager and team lead accountable for meeting departmental goals and performance benchmarks.
• Conduct weekly meetings within the subdivisions to ensure processes are running smoothly and expectations are being met.
• Develop and refine workflows to improve efficiency, accuracy, and turnaround times.
• Identify performance challenges and implement operational improvements across all departments.
• Help to identify growth opportunities and assess market expansion needs.
• Partner with the marketing team to discuss business development strategies and potential agency incentives.
• Collaborate with claims and department managers to review trends, enhance process management, and prevent recurring issues.
• Oversee monthly department reports, consolidating findings and presenting insights to senior management.
• Work closely with agencies and internal departments to resolve ongoing issues and ensure service standards are met.
• Meet with carriers quarterly to maintain strong relationships, review expectations, and discuss performance.
• Conduct monthly internal discussions regarding industry or carrier changes and communicate updates to the team.
• Ensure all policies, processes, and departmental practices comply with state regulations, carrier guidelines, and company standards.
• Maintain up-to-date knowledge of industry regulations, carrier requirements, and underwriting guidelines.
• Communicate all regulatory and carrier changes to relevant departments in a timely manner.
• Partner with all departments to resolve issues and ensure adherence to company standards.
• Provide senior management with clear and concise reporting on department performance, issues, and resolutions.
• Facilitate cross-department communication to support efficiency, accuracy, and consistent workflow execution.
• Prepare and analyze departmental performance reports, including productivity metrics, trends, error rates, and turnaround times.
• Consolidate monthly reports from all departments and present findings, insights, and recommendations to senior leadership.

Knowledge / Skills / Abilities (KSA’s)

• Strategic Thinking: Ability to assess departmental performance, identify trends, and make forward-looking decisions that align underwriting operations with company growth and long-term objectives.
• Problem Solving: Ability to identify operational, compliance, and workflow challenges and implement effective, timely solutions to improve efficiency and accuracy.
• Technical Underwriting Knowledge: Strong understanding of commercial trucking insurance underwriting, including auto liability, binding, renewals, audits, and carrier-specific guidelines.
• Regulatory & Compliance Knowledge: Working knowledge of state regulations, carrier requirements, and internal underwriting guidelines, with the ability to ensure ongoing compliance and communicate changes effectively.
• Risk Assessment: Strong ability to utilize data to analyze risk, determining what can be minimized or how to price accordingly.
• Oral Communication: Ability to clearly communicate expectations, feedback, and complex underwriting concepts to department managers, carriers, and senior leadership.
• Written Communication: Ability to prepare clear, concise reports, documentation, and written correspondence for internal teams, carriers, and senior management.
• Interpersonal Skills: Ability to build and maintain effective working relationships with department managers, carriers, and cross-functional teams while addressing issues professionally.
• Organizational & Quality Management: Strong ability to manage multiple departments, prioritize competing deadlines, and maintain high standards of accuracy, quality, and consistency.
• Judgment & Decision-Making: Ability to exercise sound judgment when evaluating risk, resolving escalated cases, and making decisions that balance compliance, efficiency, and customer satisfaction.
• Ethics & Professionalism: Commitment to ethical conduct, confidentiality, and professionalism while representing the company internally and externally.
• Initiative & Innovation: Proactive approach to identifying improvement opportunities, recommending new processes, and supporting operational and market growth initiatives.
• Dependability & Accountability: Consistent reliability in meeting deadlines, following through on commitments, and taking ownership of departmental outcomes.

Minimum Qualifications

• Bachelor’s degree in Business, Finance, Insurance, or a related field, or equivalent industry experience.
• Minimum of 5–7 years of experience in commercial insurance underwriting, preferably within trucking or transportation insurance.
• Proven experience managing or overseeing multiple departments or functional teams.
• Strong working knowledge of commercial auto liability, binding, renewals, audits, and carrier guidelines.
• Experience ensuring compliance with state regulations and carrier underwriting requirements.
• Proficiency in underwriting systems, policy management platforms, and reporting tools.

Preferred

• Advanced underwriting certifications (e.g., CPCU, AU, ARM, or similar).
• Prior experience in a Managing General Agency (MGA) or specialty insurance environment.
• Demonstrated experience working directly with carriers and negotiating underwriting expectations.
• Experience supporting business growth initiatives and market expansion strategies.
• Track record of automating and streamlining risk review processes.
• Proven ability to leverage data in risk analysis and strategic decision making.