Accident & Health Underwriter

ProSelect Insurance Company; United States; Remote; USD 82,000 - 110,000; Full time

Benefits offered by this job

Benefits package available day 1 of em

Company matchings

Volunteer/community involvement

PTO for travel

Job summary

Coverys, Inc. is seeking an Underwriter II to evaluate new and renewal risks within the assigned territory, ensuring proper risk selection, pricing, terms, and profitability.

The role operates under established authority and contributes to a profitable portfolio. Responsibilities include risk evaluation, guideline adherence, external communications with customers, and collaboration with underwriters and teams to understand exposure.

Qualifications

• Bachelor's degree preferred; 4–7 years related experience or equivalent.
• Willingness to complete CPCU or RPLU designation preferred.
• Ability to analyze and interpret underwriting guidelines and financial data.

Responsibilities

• Evaluate new and renewal submissions for risk acceptability.
• Determine coverage, pricing, limits and terms based on exposure.
• Adhere to underwriting guidelines and authorities.
• Interact with customers, agents, and brokers to gather information.
• Negotiate policy terms and participate in stewardship meetings.
• Utilize analytical tools to assess exposure and claims drivers.
• Document underwriting decisions and maintain records.

Skills

Analytical skills

MS Office proficiency

Travel ability

Communication skills

Education

Bachelor's degree

CPCU or RPLU designation preferred

Tools

Microsoft Office

Job description

Position Summary

The Underwriter II will evaluate new and renewal risks to ensure proper risk selection, pricing and terms for policies generated in assigned territory. This position will work within the established strategy and delegated authority to generate a profitable portfolio.

Essential Duties & Responsibilities

• Risk evaluation.
• Evaluate submissions to determine acceptability of risks in accordance with company guidelines and standards.
• Determine proper coverage, pricing, limits and terms based on exposure.
• Guideline adherence.
• Understand and follow the applicable underwriting guidelines, policies, and procedures to maintain consistency and adherence to industry regulations.
• Operate within assigned letter of underwriting authority.
• External communication.
• Interact with customers, agents, and brokers to gather necessary information and to clarify underwriting requirements.
• Negotiate policy terms.
• Participate in stewardship meetings.
• Data analysis.
• Utilize analytical tools to evaluate exposure and understand the driver of claims.
• Collaboration.
• Drive a multi-disciplinary approach to understanding insureds’ risks.
• Collaborate with other underwriters and team members to gain a comprehensive understanding of the exposure and best means to provide coverage.
• Documentation.
• Maintain accurate and detailed records of underwriting decisions and communication with both internal and external parties.
• Responsible for documenting the underwriting process and decisions of assigned policies.
• Portfolio Management.
• Manage profitability, risk characteristics, submission flow, agent/broker relationships and customer service of assigned territory.
• Exhibit knowledge of insurance and health care industries and other companies underwriting similar coverage.
• Marketing.
• Assist in marketing activities.
• Project work.
• May participate on or lead projects.

Education and Experience

Bachelor's degree from four-year college or university preferred; or four to seven years related experience and/or training; or equivalent combination of education and experience. Willingness to complete requirements of the CPCU or RPLU designation is preferred.

Competencies & Values

Strong analytical skills. Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, governmental regulations, underwriting guidelines and manuals, bylaws, financials, articles of organization, loss runs, Joint Commission reports and other industry reports. Ability to write reports and business correspondence. Proficiency with Microsoft Office suite of programs. Comfortable and effective in presenting information and responding to questions from groups of managers, clients, customers, and the general public. Ability and willingness to travel up to 20% of the year.

Salary

The base salary range for this role is $81,665 - $110,480. Individual compensation packages are based on a variety of factors that are unique to each candidate including geographic location, skill set, experience, qualifications and education.

Company Culture and Benefits

• Our benefits package is available day 1 of employment, so you never miss a beat.
• There is truly something for everyone in our benefits package, whether you are raising a family or a furry friend, or you're an avid traveler who uses PTO to chase down your next adventure.
• Throughout the year, we provide ample opportunities to get involved in our local communities.
• We get involved, we raise money, and we give back.
• Connecting with colleagues takes on new meaning when you're elbow-deep planting trees or rolling up your sleeves serving lunch to those in need.
• We offer directed donations, as well as company matchings, to support the organizations that you are personally involved with.
• Opportunities to join our team across the US, as well as internationally in the UK and Ireland.

Equal Opportunity Employer

Coverys is an equal-opportunity employer.

Coverys’ job openings are open to all without regard to race, color, national origin, gender, gender identity, religion, age, height, weight, disability, political beliefs, sexual orientation, marital status, family status, or veteran status.