Commercial Property Underwriter

Futuristic Underwriters; United States; Hybrid; USD 70,000 - 140,000; Full time

Job summary

Futuristic Underwriters is seeking a Commercial Property Underwriter who will play a key role in underwriting commercial property risks. This position is ideal for candidates with extensive underwriting expertise seeking a role that balances innovation with the support of an established organization. Join us to build new products in a dynamic and supportive environment, with flexible remote work options available.

Benefits

Medical, dental, vision insurance

401(k) with up to 4% match

Full benefits package

Qualifications

• 5 to 20+ years of commercial underwriting experience.
• Ability to underwrite complex risks across various occupancies.
• Strong relationships with retail and brokerage agencies.

Responsibilities

• Underwrite all coverages and classes on admitted and non-admitted basis.
• Work closely with retail agents and brokers to secure new business.
• Focus on profitability, growth, and agency management.

Skills

Multi-line commercial underwriting experience

Consultative approach with agents

Customer experience advocacy

Proactive and hands-on approach

Job description

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About Futuristic Underwriters

Futuristic Underwriters is an MGA that was launched to deliver innovative P&C insurance products to the marketplace. We are an affiliate of a financially sound and well-established organization that provides robust services and support. Our strategy is to leverage technology as a tool to optimize distribution, underwriting, service, and claims handling.

We are looking for top talent to join us in building new products by harnessing the power of innovative approaches. We offer the opportunity to be on the ground floor of building a book of business with the innovation and flexibility of an MGA, supported by the resources of an established carrier – including insurance companies, operational support teams, claims, actuarial services, and more. We offer the following:

• Ground-floor participation in building a book of business, defining a dynamic culture, establishing our underwriting style, and influencing new capability prioritization.
• Competitive salary and incentive structure.
• Full benefits package including medical, dental, vision, disability, and life coverage.
• 401(k) with up to 4% match after 90 days of employment.

The Program

We are launching a commercial property program to underwrite small and middle-market businesses on an E&S basis nationwide. Coverage will be written on a monoline basis. We will be pursuing risks in the, habitational, warehousing, office, service, and retail sectors, with planned expansions over time.

What makes us unique:

• Distribute directly to retail agents and wholesale brokers with support from a national sales team.
• Vast cross-sell opportunities with other Futuristic programs.
• Strong balance between growth and loss performance.
• Dedication to fully utilizing technology, data, software development, and automation to create an optimized underwriting experience.

The Role

The Commercial Property Underwriter will be an integral part of the Commercial P&C team, reporting to the Commercial Property Underwriting Leader. This position is based in our Westlake, TX office, with remote work options available for eligible candidates. They will underwrite all coverages and classes we offer on both an admitted and non-admitted basis. This position will work closely with our appointed retail agents and wholesale brokers to underwrite new business, larger renewals, and highly technical transactions. Performance will be primarily measured by profitability, growth, and agency management.

The Commercial Property Underwriter will have an array of resources to be successful and able to focus on the key tasks that deliver results. A team of underwriting assistants in a service center will handle most post bind transactions. The national sales team will appoint new agents and wholesale brokers, source new business submissions, and provide insights during the agency review process. Our technology roadmap will deliver an optimized underwriting process and minimize manual entry through automation and integration. Our proprietary software platform houses rating, issuance, documentation, and workflow in a single place to simplify the underwriting process.

Come join our newly forming team to have a major impact on our culture, defining our underwriting style, and influence prioritization of our roll out strategy!

Our Structure

We will have a team of underwriters responsible for new business, renewals, and highly technical transactions. Underwriters will be supported by a team of underwriting assistants responsible for post bind service transactions. We have a proprietary all-in-one software platform to optimize the underwriting process for rating, issuance, documentation, and workflow. A national sales team will appoint new wholesale brokers, source new business, and provide insights during the brokerage review process. Our structure will evolve over time as additional products go live, incorporating differentiation based on account size, complexity, and agency type.

Qualifications

• We are seeking candidates with approximately 5 to 20+ years of multi-line commercial underwriting experience. Titles will be commensurate with experience and future expectations.
• Ability to underwrite small-to-large TIV risks with complex insuring needs across a wide range of commercial occupancies.
• Primary property underwriting experience with emphasis on high hazard CAT and non-CAT perils.
• Prior history of underwriting shared and layered business on a follow form and manuscript basis.
• Proven long-term relationships with nationally recognized retail agencies and wholesale brokerage companies and teams.
• Advanced knowledge of technical underwriting, form language, and the competitive landscape.
• Ability to take a consultative approach with agents to differentiate ourselves on new business, renewals, services, and establish strong relationships.
• Committed advocate for exceptional customer experience.
• Possesses a proactive and hands-on approach, ready to tackle challenges with determination and resourcefulness.

Salary – Commensurate with experience

Seniority level

• Seniority level

  Mid-Senior level

Employment type

• Employment type

  Full-time

Job function

• Job function

  Other

• Industries

  Insurance

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Inferred from the description for this job

Medical insurance

Vision insurance

401(k)

Disability insurance

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