Inside Underwriter

CRC Group; California (MO); On-site; USD 56,000 - 70,000; Full time

Benefits offered by this job

Medical benefits

401(k) match

Paid time off

Parental leave

Job summary

CRC Group is seeking an Inside Underwriter to evaluate risk, apply carrier guidelines, and place business within binding authority and brokerage markets. You will manage submissions, quoting, binding, and policy confirmation, ensuring compliance with internal standards while supporting growth.

The role requires knowledge of underwriting principles, licensing, and ability to work with retail agents to resolve coverage issues and meet production targets in a structured environment.

Qualifications

• Bachelor’s degree or insurance designation preferred.
• Experience within underwriting or brokering specialty or E&S insurance products.
• Career progression toward broader authority, complex risk evaluation, and independent decision-making.

Responsibilities

• Underwrite new and renewal business within binding authority and brokerage markets, including evaluating risk, determining terms, and placing coverage.
• Manage the underwriting process end-to-end: submissions, quoting, binding, and policy confirmation within authority.
• Negotiate coverage terms with carriers while aligning with underwriting strategy.
• Resolve underwriting and coverage issues by analyzing risk characteristics and applying solutions for retail agents.
• Monitor accounts to ensure compliance with policies and guidelines.
• Support production goals by driving new and renewal business and maintaining workflow efficiency.

Skills

Underwriting principles

Risk evaluation

Binding authority

Communication with agents

Pricing negotiation

Education

Bachelor’s degree

Job description

Regular or Temporary:

Regular

Language Fluency: English (Required)

Work Shift:

1st Shift (United States of America)

Please review the following job description:

The Inside Underwriter executes underwriting activities in a structured environment by evaluating risk, applying carrier guidelines, and placing business within binding authority and brokerage markets. This role supports new and renewal production by underwriting business, solving coverage issues, and ensuring compliance with internal and carrier standards. The core function of this role centers on efficient underwriting execution, risk evaluation, and supporting business growth within defined authority and pricing parameters.

KEY RESPONSIBILITIES

Following is a summary of the essential functions for this job. Other duties may be performed, both major and minor, which are not mentioned below. Specific activities may change from time to time.

• Underwrite new and renewal business within binding authority and brokerage markets, including evaluating risk, determining terms, and placing coverage in accordance with carrier and company guidelines

• Manage the underwriting process end-to-end, including submissions, quoting, binding, and policy confirmation within established authority levels

• Negotiate coverage terms with carriers, including pricing, structures, and policy provisions, while ensuring alignment with underwriting strategy

• Resolve underwriting and coverage issues by analyzing risk characteristics and applying appropriate solutions for retail agents

• Monitor assigned accounts to ensure compliance with company policies, procedures, and carrier underwriting guidelines

• Support production goals by driving new and renewal business activity and maintaining efficient workflow execution in a structured environment

EDUCATION AND EXPERIENCE

The requirements listed below are representative of the knowledge, skill and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Bachelor’s degree or relevant insurance designation preferred

• Experience within underwriting or brokering specialty or E&S insurance products

• Experience expectations increase across the career path, with progression toward broader authority, complex risk evaluation, and independent decision-making

CERTIFICATIONS, LICENSES, REGISTRATIONS

• Appropriate state-specific insurance license required. Additional certifications and designations may be pursued to support technical expertise and underwriting authority progression.

FUNCTIONAL SKILLS

• Strong understanding of underwriting principles, risk evaluation, and policy structure

• Ability to independently analyze insurance risks and determine appropriate terms and conditions

• Knowledge of binding authority guidelines and market placement strategies

• Strong problem-solving skills with ability to resolve complex coverage and underwriting issues

• Effective communication and relationship management skills with carriers and agents

• Ability to manage high-volume underwriting workflows with accuracy and efficiency

• The annual base salary for this position is $56,000-$70,000

General Description of Available Benefits for Eligible Employees of CRC Group: At CRC Group, we're committed to supporting every aspect of teammates' well-being – physical, emotional, financial, social, and professional. Our best-in-class benefits program is designed to care for the whole you, offering a wide range of coverage and support. Eligible full-time teammates enjoy access to medical, dental, vision, life, disability, and AD&D insurance; tax-advantaged savings accounts; and a 401(k) plan with company match. CRC Group also offers generous paid time off programs, including company holidays, vacation and sick days, new parent leave, and more. Eligible positions may also qualify for restricted stock units and/or a deferred compensation plan.

CRC Group supports a diverse workforce and is an Equal Opportunity Employer that does not discriminate against individuals on the basis of race, gender, color, religion, citizenship or national origin, age, sexual orientation, gender identity, disability, veteran status or other classification protected by law. CRC Group is a Drug Free Workplace.

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