Underwriter (3 of 3) | - 19400

A growing insurance organization specializing in high-value personal property coverage is seeking an experienced Underwriter to join its underwriting team. This role is ideal for a seasoned underwriting professional who thrives in a fast-paced environment, exercises strong judgment, and can independently manage complex underwriting decisions with minimal oversight.

The successful candidate will take ownership of a full underwriting workload, evaluating referred applications, appraisals, photographs, and customer risk profiles to ensure accurate coverage decisions and appropriate insured values. This role requires a strong balance of analytical thinking, risk assessment, customer communication, and documentation accuracy.

This is an excellent opportunity for someone who enjoys working within a modern, technology-driven insurance environment while contributing to underwriting quality, operational improvements, and customer experience.

• →Review referred quotes and insurance applications to evaluate risk exposure and make sound underwriting decisions
• →Document underwriting rationale and decision-making processes clearly and thoroughly for auditability and future reference
• →Review appraisal reports, photographs, and supporting documentation submitted for new and existing policies
• →Assess documentation authenticity, completeness, and overall acceptability
• →Determine appropriate insured values by evaluating appraisals, requested coverage limits, and internal pricing tools
• →Initiate pricing verification or price checks when discrepancies or concerns are identified
• →Conduct comprehensive risk reviews, including:
  • →Decline history checks
  • →Cancellation history reviews
  • →Loss history evaluations
  • →Assessment of primary and additional insured parties
• →Identify underwriting red flags across:
  • →Applicant profiles
  • →Insured items
  • →Supporting documentation
• →Execute underwriting decisions, including:
  • →Issuing policies
  • →Requesting additional information
  • →Adjusting coverage limits
  • →Recommending cancellations
  • →Escalating files when necessary
• →Escalate complex, high-risk, or out-of-authority cases to management with detailed recommendations and supporting context
• →Communicate directly with customers through phone, email, and chat to:
  • →Resolve documentation issues
  • →Answer policy and coverage questions
  • →Address eligibility inquiries
  • →Assist with billing-related concerns
• →Partner closely with underwriting assistants responsible for file pre-processing by reviewing work quality and providing constructive feedback
• →Participate in team discussions related to:
  • →Risk appetite
  • →Product development
  • →Underwriting operations
  • →Process improvement initiatives
• →Adapt quickly to proprietary underwriting systems and internal tools

• 8+ years of underwriting experience within personal lines property insurance
• Proven ability to independently make underwriting decisions, including:
  • Issue decisions
  • Decline decisions
  • Cancellation decisions
• Strong experience identifying risk indicators across complete applicant profiles
• Direct customer communication experience via phone, email, and chat
• Excellent written communication and documentation skills
• Ability to clearly articulate underwriting rationale and recommendations
• Comfortable working within proprietary technology platforms and learning new systems quickly
• Strong analytical thinking and decision-making skills
• Ability to perform effectively in fast-paced, high-volume underwriting environments
• Bachelor’s degree or equivalent professional underwriting experience

• Experience underwriting:
  • Jewelry insurance
  • Watches
  • Fine art
  • High-value personal property or valuables
• Familiarity with appraisal evaluation and validation processes
• Ability to recognize credentialed appraisers and identify common appraisal inconsistencies or pitfalls
• Previous experience working within InsurTech or digitally-native insurance environments
• Property & Casualty Producer License
• Previous sales or customer service experience

• Personal lines property underwriting
• Risk assessment and analysis
• Appraisal review and evaluation
• Policy issuance and cancellation decision-making
• Loss history analysis
• Documentation review and validation
• Underwriting file management
• Insurance pricing evaluation
• Audit-ready documentation practices
• CRM and underwriting system proficiency
• Written underwriting documentation
• Customer communication across multiple channels

• Sound judgment and decision-making
• Attention to detail
• Critical thinking
• Strong communication skills
• Professional discretion
• Collaboration and teamwork
• Accountability and ownership
• Adaptability
• Time management
• Problem-solving
• Ability to work independently
• Process improvement mindset

• Consistently making accurate and well-documented underwriting decisions
• Effectively identifying risk indicators and preventing exposure issues
• Delivering high-quality customer interactions with professionalism and clarity
• Maintaining strong attention to detail across documentation and policy reviews
• Collaborating effectively with underwriting assistants and cross-functional teams
• Contributing to operational efficiency and underwriting process improvements

This role offers the opportunity to work on specialized, high-value insurance products within a modern and technology-driven underwriting environment. The position provides meaningful ownership, autonomy in decision-making, and the chance to directly influence underwriting quality, customer experience, and operational improvements while protecting some of customers’ most valued personal assets.