Senior Commercial Underwriter

Overview: 

If you're looking for the stability of a profitable, growing company with the entrepreneurial spirit of a startup, we’re hiring. SageSure, a leader in catastrophe-exposed property insurance, is seeking a Sr. Commercial Underwriter who is analytically minded, hands-on, and a self-starter who will be responsible for analyzing property risk exposures and making data-driven decisions to select and price commercial residential property policies by working closely with a select group of  agents to provide comprehensive insurance solutions to our clients that adhere to company standards and guidelines as established and modified from time to time.  

This role will be onsite for a minimum of 3 days a week in our Tampa, FL office.  

What you’d be doing: 

• Evaluate submissions received from producers for completeness and accuracy, including ensuring the data provided is the most current available.  
• Collaborate with agents and other underwriters to develop appropriate coverage and pricing for each policy, including understanding current placement and desired terms and conditions for submissions as received.  
• Conduct individual risk assessments per company-established guidelines and pricing parameters, communicate regularly with the producer regarding submission status, and explain underwriting requirements and philosophy.   
• Review and approve or deny policy applications and endorsements within assigned authority.  
• Conduct and update renewal policies in advance of regulatory notice periods to determine desire to offer renewal or non-renew the risk based on current risk characteristics and loss experience.   
• Maintain accurate records and documentation of underwriting decisions and risk assessments.  
• Continually evaluate portfolio of policies accepted and work with other departments to ensure the book of business is optimized in accordance with company-established parameters and guidelines. Conduct numerical analysis and make recommendations on exposure management issues.  
• Maintain market currency by continually seeking information regarding competitor actions, placements, and activities. Report and update other departments (e.g., Marketing, Claims, etc.) of opportunities or threats based on these findings.   
• Develop and maintain strong relationships with agents, property managers and other industry professionals to expand our network and ensure a positive customer experience.   
• Provide guidance and support to less experienced underwriters and participate in training and development programs.   
• Lead underwriting project research to develop and improve underwriting policies, practices, procedures, workflows, and systems. Coordinate with other departments as needed.   
• Develop business requirements and perform user acceptance testing in support of system initiatives.   
• Conduct policy audits, ensuring compliance with underwriting rules, policies, practices, procedures, and all laws and regulations.  
• Provide underwriting and technical training to other departments.  
• May perform other related duties and special projects as assigned or requested.  

We’re looking for someone who has: 

• Minimum 4 - 6 years underwriting experience in Commercial Property - Casualty lines.  
• Demonstrated knowledge of Property coverages, exposure types, catastrophe modeling, commercial residential construction types, and commercial insurance underwriting forms and procedures. 
• Demonstrated skill in interpreting and analyzing data to make informed, calculated risk decisions. 
• Proficient in using underwriting tools, insurance software, and MS Office Suite. 
• Understanding of insurance practices, laws, and regulations, including state-specific statutes and compliance requirements. 
• Exceptional verbal and written communication skills, with a proven ability to build, maintain, and manage relationships with brokers, agents, and other stakeholders. 
• Customer service-oriented mindset, demonstrating professionalism and tact in interactions with agencies and clients. 
• Strong work ethic with the ability to work independently and collaboratively in a team environment. 
• Thrives in fast-paced, changing environments and works comfortably under minimal supervision. 
• Knowledge of competitor actions, market trends, and the ability to make strategic recommendations based on findings. 

Highly preferred candidates also have: 

• Bachelor's degree in related field.  
• Industry certifications or designations (e.g., CPCU, ARM). 
• Experience mentoring or training less experienced underwriters. 
• Expertise in interpreting wind mitigation forms, property inspection reports, appraisals and conducting policy audits. 
• Experience developing underwriting policies, workflows, and system requirements. 
• Current or recent past experience in the Florida Residential Commercial (Condominium and Homeowner Association) market. 
• Proven track record of driving innovation in insurance products and services.