Commercial Underwriter

SageSure; Cheshire (CT); On-site; USD 80,000 - 115,000; Full time

Job summary

SageSure, a leading catastrophe-exposed property insurer, seeks a Commercial Underwriter in Connecticut to analyze exposures, review referrals, and make risk-based decisions with a customer-centric approach.

You will assess property inspections, renewals, and inquiries from agents and referrals, applying underwriting tools and market knowledge to support growth across coastal states and regulatory compliance.

Qualifications

• Minimum 4–6 years of underwriting experience in commercial lines.
• Strong working knowledge of commercial line underwriting procedures and insurance coverage.
• Ability to interpret data and make informed, calculated risk decisions.
• Exceptional verbal and written communication skills.
• Customer service oriented; thrives in fast-paced environments.
• Able to work under minimal supervision; strong work ethic.

Responsibilities

• Review new and renewal business from referral system.
• Approve or deny requests to bind.
• Review property inspection reports and take underwriting action.
• Handle calls and inquiries from agents and referrals from vendors.
• Analyze market conditions to understand coastal states commercial insurance environment.
• Recommend innovations or new product/service offerings based on underwriting insights.
• Communicate with IT to resolve agency system issues.
• Maintain relationships with producers and customers.

Skills

Underwriting experience

Data interpretation

Written and verbal communication

Customer service orientation

Self-motivated

Team player

Ability to work under minimal superv.

Insurance industry knowledge

Education

Bachelor's degree

College degree or equivalent experience

Tools

Insurance software

MS Office Suite

Job description

Overview

If you're looking for the stability of a profitable, growing company with the entrepreneurial spirit of a startup, we’re hiring. SageSure, a leader in catastrophe-exposed property insurance, is seeking a Commercial Underwriter who is analytically minded, hands-on and a self-starter who has a deep understanding of commercial business owners coverage and risk. This individual will make risk decisions based on a thorough analysis of exposures using various underwriting tools. The daily activities including the handling of new business risk referrals, underwriting renewals, reviewing, and making decisions from reports (property inspections/loss reports), all with customer centric agency interaction.

What you’d be doing

• Review new and renewal business from our referral system.
• Approve or deny requests to bind.
• Review property inspection reports and take appropriate underwriting action.
• Handle and manage phone calls and written inquiries from agents and referrals from support vendors.
• Regularly analyze market conditions to learn and understand the coastal states commercial insurance environment we serve.
• Uses knowledge of the insurance industry to recommend innovation and/or new product or service offerings.
• Communicate with IT to resolve agency system related issues.
• Deep understanding of commercial insurance practices and regulations to analyze risk eligibility, evaluate prior incurred claims, and make appropriate risk-based decisions using sound underwriting judgement.
• Demonstrate successful agency and broker management, including building, maintaining, and managing producer and customer relationships.
• Complete ad-hoc projects as assigned.

We’re looking for someone who has

• Minimum four (4) to six (6) years’ underwriting experience in commercial lines
• Must demonstrate a strong working knowledge of commercial line underwriting procedures and insurance coverage.
• Demonstrated ability to interpret and analyze data and make an informed, calculated risk decision.
• Exceptional verbal and written communicator
• Customer service oriented.
• Thrives in a fast-paced, changing environment.
• Comfortable with working under minimal supervision
• Possess a strong work ethic and can work individually or as part of a team.
• A college degree or equivalent experience and education
• Experience working directly with customers, insurance producers, and agents.
• Experience working with insurance software and MS Office Suite.

Highly preferred candidates also have

• Bachelor's degree in related field.
• Insurance industry designations.

About SageSure

Named among the Best Places to Work in Insurance by Business Insurance for four years in a row (2020-2023), SageSure is one of the largest managing general underwriters (MGU) focused on catastrophe-exposed property in the US. Since its founding in 2009, SageSure has experienced exceptional growth while generating underwriting profits for carrier partners through hurricanes, wildfires, and hail. Available in 16 states, SageSure offers more than 110 home, flood, and commercial products on behalf of its highly rated carrier partners. Today, SageSure manages more than $3.2 billion of inforce premium and helps protect more than 970,000 policyholders.

We have more than 1,000employees in a distributed workforce environment across 12 offices—Fairfield, CA; Mountain View, CA; Cheshire, CT; Jacksonville, FL; Tallahassee, FL; Tampa, FL; Chicago, IL; Jersey City, NJ; Marlton, NJ; Cincinnati, OH; Houston, TX; Sheboygan, WI—who are tackling the industry’s toughest challenges.

SageSure is a proud Equal Opportunity Employer committed to building a workforce that reflects the spectrum of perspectives, experiences, and abilities of the world we live in. We recognize that our differences make us strong, and we actively seek out diverse candidates through partnerships with organizations, institutions and communities that represent various backgrounds. We champion belonging and inclusion for all identities, including, but not limited to, race, ethnicity, religion, sexual orientation, age, veteran status, ability status, gender, and country of origin, striving to create a culture where all individuals feel valued, respected, and empowered to bring their authentic selves to work.

Our nimble, highly responsive culture nurtures critical thinkers who run toward problems and engineer solutions. We relentlessly pursue better outcomes by investing in the technology, talent, and tools that position us to succeed in demanding markets. Come join our team! Visit sagesure.com/careers to find a position for you.

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