Complex Commercial Underwriter - THREE

THREE is a growing insurance provider that sells a unique and straightforward insurance policy to small businesses – covering their property, liability, auto, and workers compensation risks. It was born out of and remains part of Berkshire Hathaway, one of the most respected companies in the world. At THREE, you’ll join a team of experienced insurance operators that chooses to run lean, promotes autonomy, and is charged with building a commercial insurer that challenges the largest players in its space.

We are seeking a Complex Commercial Underwriter to join a new team in THREE’s Underwriting operation. This position will be responsible for handling New Business and Renewal Referrals in our Complex segment across Commercial Property, Liability (GL, PL, Liquor Liability, D&O, EPLI, etc), Commercial Auto, and Workers Compensation in a comprehensive all-in-one policy.

Job Responsibilities

• Utilize THREE’s underwriting guidelines and tools to evaluate, select, and price complex risks – specifically in Hospitality, Habitational, Bar/Tavern, and LRO industries
• Handle both New Business and Renewal Referrals across THREE’s entire footprint
• Ensure agent compliance with Loss Control recommendations to improve risk quality and/or reduce hazards that would adversely impact THREE’s profitability
• Clearly and concisely communicate needs to agents including verification of information, requests for documentation, etc, with customer experience always top of mind
• Meet various performance requirements related to efficiency and underwriting quality

Qualifications

• At least 5 years in commercial lines underwriting including multiple lines of business – specific designations or related commercial lines experience may supplement
• Experience underwriting in a fast-paced environment, with ability to apply typical small commercial efficiencies to more complex risks without sacrificing quality
• Understands independent agent submission-to-bind process for medium sized accounts
• Experience using all available tools to make appropriate risk selection and pricing decisions
• Outstanding underwriting queue management skills, with experience performing against specifically defined SLAs

This role is fully remote.

About Us

Our parent, Berkshire Hathaway Inc. (berkshirehathaway.com) is a holding company with diversified interests in a host of industries, including insurance, energy, transportation and manufacturing. Most policies issued through THREE will be underwritten by Berkshire Hathaway Direct Insurance Company ("BHDIC"), which is an AM Best rated A++ insurer.

BHDIC is domiciled in Omaha, Nebraska. BHDIC and the team at THREE are focused on helping small business owners quickly and easily buy affordable insurance directly from a financially strong insurance company they can trust.

BHDIC is excited to announce our comprehensive benefits package with some new and enhanced features for 2026 that include:

• Medical (PPO/HDHP), vision, disability, and life insurance.
• Enhanced dental plan with orthodontia coverage in addition to a standard plan.
• Generous PTO plan for all benefit-time eligible employees.
• Paid company holidays and 4 floating holidays.
• Paid parental leave.
• Employee Retirement Savings Plan/401(k) with company match and immediate vesting.
• Education Assistance Program that offers 100% upfront tuition reimbursement after 6 months of service for approved degree programs.
• Service Recognition Program that provides a monetary award to be used toward a vacation every 5 years of employment.
• Wellness Initiatives that include Fitness Center and Weight Watchers Reimbursement programs.
• Voluntary benefits that include accident, critical illness, and hospital indemnity.
• Employee discount and rewards program on travel, tickets, electronics, home, and more.

In accordance with pay transparency laws and regulations, the following good faith compensation range estimate is being provided. The salary range for this position is $95,000 - $130,000 per year. Final compensation will be based on candidate qualifications, geographic location, and other considerations permitted by law.