Personal Lines Excess & Surplus - Underwriting Director

Cincinnati Insurance Company; Gilbert, Northern (AZ, KY); Hybrid; USD 110,000 - 185,000; Full time

Benefits offered by this job

Annual bonus

Stock incentives

Job summary

The Cincinnati Insurance Companies in Gilbert, AZ seeks an experienced underwriting Manager to lead a team of western zone high net worth underwriters. You will monitor risk, shape guidelines, and drive growth across multiple states including AZ, CA, CO, NV, UT, WA, MT, OR, WY.

This role offers a competitive pay range of $110,000 to $185,000 with potential bonuses and stock incentives, reflecting education, experience, and performance.

Qualifications

• Minimum five years of personal lines underwriting experience.
• Current Property & Casualty insurance license required.
• Knowledge of excess and surplus homeowners’ market preferred.
• Knowledge of high-net-worth marketplace and wildfire exposure recommended.
• Ability to coach underwriters and lead meetings.

Responsibilities

• Manage a Western Zone High Net Worth Excess & Surplus underwriter team and territory.
• Oversee risk selection and develop underwriting guidelines.
• Drive territory profitability, pricing strategy, and growth across listed states.
• Coach underwriters, conduct performance reviews, and provide feedback.
• Lead production meetings and coordinate agency relationships.
• Support change initiatives and HR-related activities.
• Develop internal and external relationships with agents and field staff.
• Collaborate with field representatives on agency issues.

Skills

Team leadership

Underwriting

Mentoring

Communication

Stakeholder management

Education

Property & Casualty license

Tools

Tech systems knowledge

Job description

MAKE A DIFFERENCE Share your talents and develop your skills as you build a career in a professional environment with a personal feel.

Description

Make a difference with a career in insurance

At The Cincinnati Insurance Companies, we put people first and apply the Golden Rule to our daily operations. To put this into action, we’re looking for extraordinary people to join our talented team. Our service-oriented, ethical, knowledgeable, caring associates are the heart of our vision to be the best company serving independent agents. We help protect families and businesses as they work to prevent or recover from a loss. Share your talents to help us reach for continued success as we bring value to the communities we serve and demonstrate that Actions Speak Louder in Person® .

If you’re ready to build productive relationships, collaborate within a diverse team, embrace challenges, and develop your skills, then Cincinnati may be the place for you. We offer career opportunities where you can contribute and grow.

Build your future with us

Our Personal Lines Excess & Surplus department seeks an underwriting Manager. This role is responsible for managing a team of western zone high net worth excess & surplus underwriters. They will be monitoring risk selection, creating and maintaining business underwriting guidelines, and driving strategic growth objectives. This position is based at our Gilbert, Arizona field office.

The pay range for this position is $110,000 - $185,000 annually. The pay determination is based on the applicant’s education, experience, location, knowledge, skills and abilities. Eligible associates may also receive an annual cash bonus and stock incentives based on company and individual performance.

Be ready to:

manage a Western Zone High Net Worth Excess & Surplus focused territory, including overseeing overall territory profitability and growth, and establishing pricing and appetite including California, Colorado, Arizona, Nevada, Utah, Washington, Montana, Oregon, and Wyoming with complex exposure profiles such as wildfire, earthquake, scheduled property homeowners, and high-profile individuals.

• assess team performance, including conducting performance reviews and giving feedback, tracking goals, measuring performance and handling HR issues
• mentor underwriters, including coaching, collaborating on risks, providing guidance on decision making and assessing communication skills
• manage production meetings, including preparing meeting materials, communicating overall territory performance, identifying key state issues, determining agencies to discuss and following up on action items
• collaborate with field representatives, including communicating regularly regarding overall state/territory issues and specific agency issues
• manage change, including communicating the reason for the change, supporting change initiatives, implementing changes and monitoring activity to determine if the changes are being executed properly
• manage agency customer service, including soliciting feedback from agency and field staff
• develop internal and external relationships, including fostering a teamwork mentality amongst underwriters, coordinating agency travel and establishing regular communication with key agency relationships
• complete departmental support activities, including participating in special projects and task forces

Be equipped with:

• the ability to adjust to fast-changing market conditions
• the ability to develop custom policy language for unique exposures
• the ability to multitask
• time management and organization skills
• the ability to effectively motivate others
• a keen understanding of agency interaction and use of these systems and underwriting processes
• well-developed verbal and written communication skills
• the ability to effectively interact with agents, team members, management, and field marketing representatives

Bring education and experience from:

• a minimum of five years of personal lines underwriting experience (required)
• c urrent property and casualty insurance licensing (required)
• experience in the excess and surplus homeowners’ market (preferred)
• a familiarity of our technology systems
• a knowledge of the high-net-worth marketplace, especially in Wildfire-prone areas\
• an understanding of Insurance Service Office coverage forms and coverage language
• experience with our product and coverage advantages and the ability to communicate them to both internal and external audiences

Enhance your talents

Providing outstanding service and developing strong relationships with our independent agents are hallmarks of our company. Whether you have experience from another carrier or you’re new to the insurance industry, we promote a lifelong learning approach. Cincinnati provides you with the tools and training to be successful and to become a trusted, respected insurance professional – all while enjoying a meaningful career.

Enjoy benefits and amenities

Your commitment to providing strong service, sharing best practices and creating solutions that impact lives is appreciated. To increase the well-being and satisfaction of our associates, we offer a variety of benefits and amenities .

Embrace a diverse team

As a relationship-based organization, we welcome and value a diverse workforce. We grant equal employment opportunity to all qualified persons without regard to race; creed; color; sex, including sexual orientation , gender identity and transgender status ; religion; national origin; age; disability; military service; veteran status; pregnancy; AIDS/HIV or genetic information; or any other basis prohibited by law. All job applicants have rights under Federal Employment Laws. Please review this information to learn more about those rights.