Excess & Surplus Underwriter, Personal Lines

Description

 Tower Hill Insurance Group has an exciting opportunity for a talented Excess & Surplus (E&S) Underwriter, Personal Lines who enjoys intellectual challenges and is seeking a rewarding career with a company that is experiencing growth. Not only is Tower Hill Insurance one of Florida's most trusted names in homeowners insurance, but it offers great opportunities for career advancement and personal growth, along with very competitive benefits and rewards. We are growing at a consistent pace and seek professional individuals with drive, team mentality, who want to make an impact, and are committed to a long-term career in the insurance industry.     

The Excess & Surplus (E&S) Underwriter, Personal Lines position is key for the development, growth, and retention of profitable high value E&S Personal Lines portfolio in accordance with company guidelines and standards. This position evaluates new and renewal business using appropriate underwriting tools and data to determine appropriate premiums and ensure the portfolio's profitability. This role requires an entrepreneurial mindset with a proven track record in underwriting high value properties greater than $2 million in excess and surplus lines. 

ESSENTIAL DUTIES AND RESPONSIBILITIES

• Evaluate new and renewal business for homeowner’s insurance including but not limited to high-value homes and excess/surplus risks, analyzing property characteristics, inspections, location, and overall risk factors.
• Evaluate underwriting data and develop creative problem-solving strategies.
• Determine appropriate premium levels based on the individual risk profile, ensuring alignment with company guidelines and market standards. Recommend additional premium adjustments when necessary.
• Stay informed about industry trends, market conditions, and competitive landscape to make informed underwriting decisions.
• Work closely with agency partners and other stakeholders to gather necessary information, clarify risk details, and provide insights on underwriting decisions. Develop relationships with retail agents through close communication.
• Maintain accurate and thorough records of all underwriting decisions, risk assessments, and communications. Ensure compliance with all regulatory requirements and internal policies.
• Provide guidance to agency partners on underwriting requirements and risk management strategies for high-value properties.
• Participate in underwriting audits and performance reviews to identify areas for improvement and implement best practices in underwriting processes.
• Mentor junior underwriters and participate in training programs to enhance team capabilities and knowledge.

ADDITIONAL DUTIES

This job description reflects the general duties considered necessary to describe the essential functions of the job and should not be considered a complete description of all the work requirements and expectations of the position. Tower Hill reserves the right to assign duties not listed herein as necessary to accomplish the goals of the organization.

Requirements

POSITION QUALIFICATIONS

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

EDUCATION

Bachelor’s Degree or higher in Business, Marketing, Underwriting, Statistics, Finance, Risk Management or related field preferred. 

EXPERIENCE

Minimum of two (2) years of relevant work experience in key functional areas Underwriting, Pricing, Claims or Operations required.

Experience in Excess & Surplus Personal Lines or Commercial Underwriting preferred.

CERTIFICATIONS

Insurance designations, Product Management Certifications, or Project Management Certifications are desirable.

LICENSES

Valid Driver’s License required.

Preferred work arrangement hybrid on-site, but remote candidates will be considered based on qualifications and experience. 

For more information about our company, careers and Total Compensation, visit www.thig.com/careers

*Tower Hill Insurance currently operates in these states AL, CT, FL, GA, IA, IN, KY, MI, MS, NC, OH, PA, SC, TN, TX, UT, VA, WV. 

Tower Hill Insurance is an equal opportunity employer, and all qualified applicants will receive consideration for employment without regard to race, color