Underwriting Consultant - Inland Marine (Hybrid or Remote)

About Us

At Intact Insurance Specialty Solutions, we are experts in protecting what makes businesses unique. Our deep understanding of the specialty insurance market is the foundation for our customized solutions, backed by targeted risk control and claims services. Our employees are passionate about providing insurance coverage aligned to our targeted customer groups. Intact’s Global Specialty Lines business spans across more than 20 verticals in four distinct markets: U.S., Canada, UK, and Europe. This opportunity is for our U.S. team.

Our employees are at the heart of what we do: helping people, businesses, and society prosper in good times and be resilient in bad times. When you join our team, you bring this purpose to life alongside a passionate community. We commit to supporting you in reaching your goals with tools, opportunities, and flexibility.

About the Role

We currently have an opportunity for an Underwriting Consultant to join our Inland Marine team. This position underwrites risks, including the selection and rejection of new and renewal business for the most complex, specialty accounts within the highest underwriting authority levels. The role is based in our Denver, CO office on a hybrid schedule or may be located remotely in Idaho, Utah, Arizona, Nevada, and New Mexico.

Responsibilities

• Maximize opportunities for underwriting profitable new and renewal business, leveraging business relationships, product knowledge, and underwriting acumen.
• Develop and maintain an active target account list tracking prospects, account rounding, and missed opportunities.
• Manage financial performance of assigned products in the territory, including accident year loss ratio, premium plans (new business, retention, rate/exposure increases), and commission targets.
• Underwrite a book of business, ensuring quality and effective book management.
• Execute underwriting strategy, including portfolio management, self-audits of new and renewal business, and well-documented approvals of underwriting edits.
• Ensure compliance with standards and assigned underwriting authorities.
• Demonstrate a strong understanding of exposures and key coverage issues, making underwriting decisions to accept, decline, or modify risks within the highest production underwriter authority levels.
• Implement underwriting decisions in compliance with state laws.
• Develop superior working relationships with producers to promote mutual growth and profitability goals, supplying appropriate products and services.
• Identify gaps in coverage and services, understanding where the company can make a difference to retain or obtain customers.
• Establish strong business partnerships with other departments, including claims, actuary, and risk control staff, to better service producers and accounts.
• Travel regularly to key producers/accounts and remain highly visible in the marketplace.
• Anticipate the needs of the agency plant, analyze trends, and implement proactive strategies to position the business effectively.
• Understand and communicate the company’s underwriting appetite and generate qualified business in support of that appetite.
• Monitor agency action plans and participate in agency planning and marketing meetings to position the business for the future.
• Gather and analyze competitor information and producer-specific reports on assigned producers’ new business flow, retention, profitability, and potential to support territorial rate reviews.
• Work with other underwriting staff to determine and make recommendations for marketing, pricing, products, and systems.
• Maintain a strong professional knowledge of competitive, regulatory, and legal environments and apply this information effectively.
• Respond to requests for assistance or consultation from other company businesses or home office staff and participate in related projects and committees as a subject matter expert.
• Participate in industry events as a subject matter expert and representative of the company.
• Mentor and coach less experienced underwriters.
• Develop and lead technical training and provide guidance to other departments within the company, as needed.

Requirements

• Bachelor’s degree or equivalent experience.
• 7-10 years of progressively responsible Inland Marine underwriting experience.
• Professional insurance designation is preferred (AICPCU, RPLU).

Pay

The typical base salary range for this position is $151,000 – $201,000, based on location, role, experience, and skillset. For candidates located in San Francisco, CA; Washington DC; Massachusetts-based offices; and the New York City metro area, the base salary range is $176,000 - $206,000.

Benefits

• Comprehensive medical, dental, and vision insurance with no waiting period.
• Competitive paid time off programs.
• 401(k) savings and annual contributions of up to 12% of annual salary.
• Mental health support programs.
• Life and disability insurance.
• Paid parental leave.
• A variety of additional voluntary benefits.
• Bonus potential.

Why Choose Intact

• Our Values: We are committed to acting with the highest ethical standards through our five core values: integrity, respect, customer-driven, excellence, and social responsibility.
• Diversity: We see diversity as a strength and aspire to create an environment where everyone can be themselves, grow, and succeed.
• Manage Your Time: We focus on what you accomplish, not hours in the office, fostering a healthy work-life balance with flexible work arrangements.
• Shape the Future: Help lead an insurance transformation to better protect people, businesses, and society.
• Win as a Team: Collaborate with inspiring people to do your best work every day and stand up for what is right.
• Grow with Us: Refresh and reinvent your skills, learn from diverse teams, lift others up, and grow.