Commercial Lines Sr. Non-Admitted Underwriter

TMG Insurance Services, LLC; Iowa; Hybrid; USD 63,000 - 105,000; Full time

Benefits offered by this job

Competitive base salary

401(k) retirement plan with company 6%

Health, dental, vision coverage

Flexible work schedules and hybrid/rob

Educational assistance

Job summary

TMG Insurance Services, LLC seeks a Senior Non-Admitted Underwriter in Field Underwriting to independently underwrite complex non-admitted commercial risks, pricing, and structuring while advising distribution partners. The role requires high autonomy, portfolio management, and cross-functional collaboration to drive profitable growth.

The position supports hybrid or in-office work near the home office, with travel as needed for agency and territory engagement.

Qualifications

• Underwrite complex non-admitted accounts with delegated authority.
• Assess exposures, loss history,financials, and controls for pricing decisions.
• Mentor less experienced underwriters and collaborate with cross-functional teams.

Responsibilities

• Underwrite complex non-admitted new and renewal accounts with advanced judgment.
• Set pricing, terms, and coverage within authority and guidelines.
• Engage with agencies/partners to negotiate and support portfolio goals.
• Lead and mentor teammates; contribute to process improvements.

Skills

Non-admitted underwriting

Complex risk assessment

Negotiation with distribution partners

Portfolio management

Leadership & mentoring

Analytical judgment

Education

Professional designation preferred

Job description

Department: Field Underwriting

Job Description:

The Senior Non-Admitted Underwriter is responsible for underwriting complex non-admitted commercial accounts that require advanced judgment, significant individual authority, and disciplined portfolio management. The role independently evaluates, selects, prices, and structures new and renewal business; serves as a trusted risk advisor and negotiator to key distribution partners; and proactively drives profitable growth, retention, rate adequacy, and underwriting quality across an assigned portfolio or territory. The Senior Non-Admitted Underwriter operates with a high degree of autonomy, handles referrals for defined risks, and applies the appropriate non-admitted approach based on account needs, product availability, underwriting appetite, and regulatory requirements. The role recommends appetite or portfolio actions based on market and performance insights, mentors less experienced underwriting professionals, and partners across Distribution, Risk Control, Claims, Product, Actuarial, Operations, Compliance, and other functions to deliver responsive, compliant, and market-relevant solutions.

Work Arrangement

Employees who live within 30 miles of the TMG home office are expected to follow a hybrid or in-office schedule. The initial training period may require additional in-office days.

Accountabilities

Complex Risk Selection & Underwriting Authority

Underwrite complex non-admitted new and renewal accounts requiring advanced judgment, including analysis of exposures, loss history, financial condition, controls, inspection findings, product availability, and other available risk data. Determine appropriate pricing, coverage, terms, conditions, limits, deductibles, and risk improvement expectations within delegated authority and applicable underwriting guidelines. Exercise significant individual underwriting authority and make referral decisions for defined risks; escalations for risks outside authority or appetite with clear analysis and recommendations. Drive corrective action and remediation strategies for complex accounts when performance, controls, or emerging concerns warrant action. Ensure timely, accurate, and compliant execution of non-admitted transactions, including renewals, non-renewals, conditional notices, documentation, disclosures, and applicable regulatory requirements.

Portfolio Strategy & Performance

Steer the strategy and performance of an assigned complex portfolio or territory, with accountability for growth, pricing, retention, mix, profitability, and underwriting quality. Use portfolio data, market intelligence, and account-level insights to identify trends, concentrations, performance gaps, and opportunities; recommend and execute corrective actions. Recommend adjustments to underwriting appetite, guidelines, pricing approach, or risk selection based on portfolio results and market conditions. Maintain a disciplined pipeline and proactively pursue business that aligns with portfolio objectives and risk appetite. Achieve established production, service, quality, growth, retention, and profitability expectations.

Market Engagement & Distribution Partnerships

Serve as a trusted advisor and advanced negotiator for key distribution partners, providing risk-based guidance and commercially sound solutions. Develop and manage strong agency relationships through regular portfolio reviews, pre-renewal discussions, pipeline management, and responsive problem solving. Proactively drive profitable growth through agency partnerships, balancing customer needs with underwriting discipline and long-term portfolio health. Engage regularly in agency and territory travel and participate in relevant industry organizations, events, or market forums. Coordinate with Distribution, Claims, Product, Actuarial, Operations, Compliance, and other partners to resolve issues, align decisions, and support cohesive non-admitted customer and broker solutions.

Cross-Functional Partnership & Risk Solutions

Partner with Risk Control on inspections, follow-up activity, service plans, and risk improvement strategies for complex accounts. Coordinate with Distribution, Claims, Product, Actuarial, Operations, and other partners to resolve issues, align decisions, and support cohesive customer and broker solutions. Use a consultative approach to understand agent and insured needs while developing solutions that are mutually beneficial, competitive, and aligned with underwriting objectives. Support change adoption and continuous improvement by sharing feedback, testing new approaches, and helping translate underwriting strategy into consistent execution.

Technical Leadership & Talent Development

Mentor and coach less experienced underwriting professionals through referrals, peer reviews, technical guidance, and ongoing feedback. Model effective underwriting practices, sound judgment, accountability, service, and responsiveness. Review and approve underwriting decisions within assigned referral authority and support consistent application of underwriting standards. Assist with onboarding, training, and development of new hires, internal promotions, and team members building technical capability. Serve as a subject matter expert for organizational initiatives, capability development, workflow modernization, and AI-enabled underwriting work, as assigned.

Qualifications

• Demonstrated experience underwriting commercial insurance risks of increasing complexity, including non-admitted or surplus lines business, with the technical capability to operate at a senior level.
• Advanced knowledge of underwriting principles, risk assessment, coverage, pricing, portfolio management, and regulatory requirements within assigned commercial lines or niche segments, including knowledge of non-admitted or surplus lines underwriting practices, market placement considerations, and applicable compliance requirements.
• Demonstrated ability to exercise sound independent judgment and make decisions within significant delegated underwriting authority.
• Strong financial and business acumen, including the ability to interpret portfolio and account performance data and translate insights into action.
• Proven relationship management, consultative selling, negotiation, and market-facing communication skills.
• Ability to mentor others, influence without direct authority, and collaborate effectively across functions in a matrixed environment.
• Strong written and verbal communication skills, organizational discipline, and commitment to responsive service.
• Ability to independently use core underwriting systems, data and analytics tools, and evolving technology, including AI-enabled workflows, to support sound decisions and efficient execution.
• Professional designation or continuing insurance education is preferred.
• Demonstrated capability and relevant experience may be considered in place of a specific degree requirement.
• Ability and willingness to travel regularly for agency, territory, and industry engagement.

Pay Range

Anticipated Hiring Range: $63,000 - $105,000 annual base salary depending on experience, qualifications, and geographic location

$69,300 - $115,500 annual base salary depending on experience, qualifications, and geographic location in CA, CT, MA, NJ, NY, and PA.

Benefits

• Competitive base salary plus incentive plans for eligible team members
• 401(K) retirement plan that includes a company match of up to 6% of your eligible salary
• Free basic life and AD&D, long-term disability and short-term disability insurance
• Medical, dental and vision plans to meet your unique healthcare needs
• Wellness incentives
• Generous time off program that includes personal, holiday and volunteer paid time off
• Flexible work schedules and hybrid/remote options for eligible positions
• Educational assistance

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Equal Opportunity Employer

The Mutual Group is an Equal Opportunity Employer. It is our policy to recruit, hire, train and promote individuals in all job classifications without regard to race, color, religion, sex, national origin, age, veteran status, disability, sexual orientation, gender identity or any other characteristic protected by law.

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