Executive Underwriter, Environmental Site Pollution

Liberty Mutual Insurance; Philadelphia (Philadelphia County); On-site; USD 120,000 - 180,000; Full time

Job summary

Liberty Mutual Insurance seeks an experienced Site Pollution Environmental Executive Underwriter to independently underwrite complex site pollution policies across North America. You will evaluate risks from historical and current operations, hazardous materials, permits, and remediation activities, pricing to profitability, and collaborate with UW teams.

The role emphasizes strong analytical and communication skills, mentorship of colleagues, and the ability to manage a portfolio with senior

Qualifications

• Proven analytical ability to evaluate underwriting risks within scope of responsibility.
• Ability to communicate complex analyses in written or oral directives for underwriting/training.
• Strong written and verbal communication and interpersonal skills with internal and external stakeholders.
• Proven track record of developing and underwriting profitable business.
• CPCU or professional insurance designation preferred.

Responsibilities

• Manages portfolio of brokers/agents and clients.
• Underwrites site pollution policies within authority, evaluating risks from current and historical operations.
• Assesses coverage needs, terms, exclusions, retentions, limits, and conditions.
• Prices the risk in line with underwriting strategy and profitability objectives.
• Mentors, coaches, and trains other underwriters and internal partners.
• Collaborates across departments to drive underwriting and process excellence.
• Maintains relationships with senior brokers and key agents.

Skills

Analytical ability

Communication skills

Interpersonal skills

Underwriting profitability

Education

Degree in Environmental Science, Environmental Policy, Engineering, Geology, Chemistry, Business or equivalent

Job description

Description

Site Pollution Environmental Executive Underwriter works independently and autonomously on all but the most complex site pollution environmental accounts and cases, subject to required process oversight. Underwrites site pollution policies within established underwriting authority, evaluating risks associated with current and historical operations, hazardous materials, regulated substances, waste management, storage and disposal practices, environmental permits, remediation activities, and potential pre-existing or gradual pollution conditions. Makes analytical, data-driven decisions on whether to accept business based on information provided, including environmental reports, Phase I and Phase II assessments, regulatory records, loss history, site inspections, engineering reports, financial information, contract details, and broker submissions. Evaluates coverage needs, policy terms, exclusions, retentions, limits, and conditions, and prices the risk in accordance with underwriting strategy, appetite, authority, and profitability objectives.

In parts of North America, underwrites complex or unusual site pollution policies, including risks involving significant environmental exposures, distressed or contaminated properties, redevelopment sites, brownfields, waste facilities, industrial operations, transportation or storage exposures, multi-location portfolios, contractual liability, lender or transactional requirements, and policies with high individual line size. Policies assessed will focus on accounts with a high degree of environmental, legal, financial, or technical complexity and/or larger limits and premium.

Responsibilities

• Manages portfolio of brokers/agents & clients.
• Leverages market presence and expertise to develop and underwrite profitable business, acting as a representative for Liberty.
• Has relationships with senior/market-leading brokers and/or key agents.
• Maintains a strong market presence, including established relationships with agents and brokers. Looks to strengthen these relationships and develop new ones.
• Articulates key coverage differences with a high degree of detail.
• Participates in projects across departments designed to drive underwriting and process excellence (e.g., member of a working team).
• Models effective collaboration across teams, stakeholders and partners (e.g., UW Support, Claims, Actuarial, Directors of Underwriting in North America).
• Has strong knowledge of key legal cases, legislation and regulation impacting area(s) of underwriting expertise.
• Shares knowledge based on technical expertise, including providing external thought-leadership.
• Mentors, coaches, and trains other underwriters and internal partners.

Qualifications

• Degree in Environmental Science, Environmental Policy, Engineering, Geology, Chemistry, Business or equivalent typically required
• A minimum of 7 years expected, typically 10 years or more, of progressive underwriting experience and/or other related business experience
• CPCU or professional insurance designation preferred
• Proven analytical ability to evaluate and judge underwriting risks within scope of responsibility
• Demonstrated ability to communicate complex analyses and information in understandable written and/or oral directives to other persons in the organization for underwriting or training purposes
• Demonstrated effective communication and interpersonal skills in dealing with internal and external stakeholders
• Must demonstrate comprehension of most complex technical underwriting issues and be capable of defining and implementing necessary underwriting and administrative processes/workflows to properly manage or administer those issues
• Proven track record of developing and underwriting profitable business

About Us

Pay Philosophy: The typical starting salary range for this role is determined by a number of factors including skills, experience, education, certifications and location. The full salary range for this role reflects the competitive labor market value for all employees in these positions across the national market and provides an opportunity to progress as employees grow and develop within the role. Some roles at Liberty Mutual have a corresponding compensation plan which may include commission and/or bonus earnings at rates that vary based on multiple factors set forth in the compensation plan for the role.

At Liberty Mutual, our goal is to create a workplace where everyone feels valued, supported, and can thrive. We build an environment that welcomes a wide range of perspectives and experiences, with inclusion embedded in every aspect of our culture and reflected in everyday interactions. This comes to life through comprehensive benefits, workplace flexibility, professional development opportunities, and a host of opportunities provided through our Employee Resource Groups. Each employee plays a role in creating our inclusive culture, which supports every individual to do their best work. Together, we cultivate a community where everyone can make a meaningful impact for our business, our customers, and the communities we serve.

We value your hard work, integrity and commitment to make things better, and we put people first by offering you benefits that support your life and well-being. To learn more about our benefit offerings please visit: https://www.libertymutualgroup.com/about-lm/careers/benefits

Liberty Mutual is an equal opportunity employer. We will not tolerate discrimination on the basis of race, color, national origin, sex, sexual orientation, gender identity, religion, age, disability, veteran's status, pregnancy, genetic information or on any basis prohibited by federal, state or local law.

Fair Chance Notices

• California
• Los Angeles Incorporated
• Los Angeles Unincorporated
• Philadelphia
• San Francisco