Associate Underwriter Flood

4001US00 DUAL North America Inc; San Diego (CA); On-site; USD 65,000 - 75,000; Full time

Benefits offered by this job

Medical insurance

401k with company match

Unlimited PTO

Job summary

DUAL North America, Inc. is seeking an Associate Underwriter for the Flood Division. You will assist with account quoting and binding, prepare communications, and provide quality customer service through the underwriting life cycle.

Travel up to 10% as needed to shadow and interact with brokers. The role requires a bachelor’s degree in risk management, finance, business or related field, 0–1 year underwriting or insurance experience, and proficiency with Microsoft Office.

Qualifications

• Bachelor’s degree in risk management, finance, business or a related field preferred.
• Excellent written and verbal communication skills.
• Ability to follow policies and procedures.
• Self-motivated and detail oriented.
• Able to work independently for extended periods.

Responsibilities

• Process submissions by providing account triage for Underwriters.
• Provide backup support for Underwriters when traveling in the market.
• Gather and compile information required to quote and/or bind an account.
• Generate, edit, and send out correspondence on behalf of the Underwriters.
• Demonstrate basic understanding of underwriting principles and risk characteristics.
• Assist in learning market dynamics and product differences.

Skills

Attention to detail

Independent work

Communication skills

Self-motivation

Education

Bachelor’s degree in risk management, finance, business or related field

Tools

Microsoft Office Suite

Job description

At DUAL North America, our core values dictate how we live and work. We are a group with independence and people at its heart and we are a home for talent with a unique culture: the biggest small company in the world. The focus on being a People First business has always been at the very heart of the Group; Our vision was to create an independent business with a unique culture and one that would survive and thrive as a business controlled by the people working for it. And finding the most talented and entrepreneurial people to join the Group has been and will continue to be key.

DUAL North America, Inc. is seeking a Associate Underwriter Flood Classification: Exempt/Full-Time. Reports to: Underwriter, Flood or above. Travel: 0-10%. Salary: $65,000.00-$75,000.00.

Role overview

DUAL North America is seeking an Associate Underwriter for the Flood Division. At DUAL, Associate Underwriters play a key supportive role through the risk underwriting process and expansion of broker relationships. In this role, you will assist with account quoting and binding, prepare and distribute various types of communications, and provide quality customer service through the underwriting life cycle. Supporting a team of underwriters within the Flood division, you will assist underwriters in evaluating flood risk exposures, gathering site‑specific data, and facilitating accurate quoting and binding for flood insurance policies.

Role responsibilities

• Process submissions by providing account triage for Underwriters
• Provide backup support for Underwriters when traveling in the market
• Gather and compile information required to quote and/or bind an account
• Generate, edit, and send out a variety of correspondence on behalf of the Underwriters such as declination letters, quote follow ups and subjectivity reminders
• Demonstrate basic understanding of technical underwriting principles and risk underwriting characteristics
• Learn market dynamics, competitive landscape, and product differences (attend weekly underwriting meetings if applicable, ask questions) – need to understand what business is selling (understanding why deals are lost and adjusting accordingly)
• Provide customer service and underwriting support to help achieve new and renewal premium goals
• Build relationships with producers with supervision from more senior underwriters
• Fill in for other team members to ensure business continuity during peak periods and/or when team members are unavailable
• Assist Underwriters as requested
• Complete other related clerical and administrative duties as assigned
• Travel up to 10% with an Underwriter to shadow and participate in interactions between Underwriters and brokers
• Must be able to remain in a stationary position 50% of the time, with occasional movement in the office to access cabinets and equipment

Underwriting Authority: Working towards Underwriting Authority, but does not have it yet Quote issuance as approved by senior underwriter Binder issuance as approved by senior underwriter Policy Issuance review Conduct inspection review and analysis resulting in appropriate issue identification, and process post inspection changes as necessary.

Key requirements

• Bachelor’s degree in risk management, finance, business or a related field preferred
• 0–1 year underwriter or insurance experience
• Foundational knowledge of insurance principles
• Proficiency in Microsoft Office Suite (Word, Excel, Outlook, PowerPoint)
• Ability to follow policies and procedures
• Complete assigned tasks correctly, on time and able to learn quickly
• Self‑motivated and demonstrating attention to detail
• Be able to work independently for extended periods
• Excellent written and verbal communication skills as well as general business understanding
• Travel up to 10% with an Underwriter to shadow and participate in interactions between Underwriters and brokers
• Must be able to remain in a stationary position 50% of the time, with occasional movement in the office to access cabinets and equipment

What we offer

A career that you define. Yes, we offer all the usual rewards and benefits - including medical, dental, vision, a wide variety of wellbeing offers, competitive salary, unlimited PTO, 401k with company match, paid volunteer days and more. We provide an environment where new ideas are encouraged and celebrated, where people who want to have a real hand in our success thrive. We want people who want to make a difference - not just in the workplace, but in the industry and in the wider community.

EEO Statement

We consider our people our chief competitive advantage and as such we treat colleagues, candidates, clients, and business partners with equality, fairness, and respect. DUAL North America provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state, or local laws. This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation, and training. DUAL will ensure that individuals with disabilities are provided reasonable accommodation to participate in the job application or interview process, to perform essential job functions, and to receive other benefits and privileges of employment.

Howden began in 1994, as just three people and a dog. Now there are 23,000 of us, and we're a leading global insurance group, managing $37bn of premiums for our clients. Our largest shareholder group is us – the people who work in the business – supported by three long‑term, minority growth‑equity partners who share our vision to build a business to last, one that will never be sold. The owner's mindset is something that's embedded in our culture; our people readily take ownership of their decisions, their actions, and their outputs. They’re invested in every sense. And we all know that by working together to drive the business forward, everyone will benefit from the extraordinary results we can achieve.