Product Underwriter- Commercial Lines

Orion180 Insurance Co.; Draper (UT); On-site; USD 95,000 - 140,000; Full time

Benefits offered by this job

Medical, dental, vision

401k

Paid holidays

PTO

Job summary

Orion180 is seeking an experienced commercial underwriter to lead complex submissions, guide product appetite and guidelines, and serve as the senior underwriting voice on referrals. You will shape forms strategy, endorsements, and rating rules in collaboration with CUO, Head of Commercial Lines, and actuaries.

The role emphasizes building underwriting judgment into day-to-day workflows and working closely with IT on PAS configurations, with strong emphasis on collaboration and visibility across

Qualifications

• Bachelor's degree in finance, Business Management, Economics is preferred.
• Authorized to work in the U.S. (U.S. Citizen or Green Card Holder)
• 4+ years of hands-on commercial property and casualty underwriting experience
• Strong working knowledge of commercial forms — CGL, BOP, Commercial Property — and how endorsements modify base coverage
• Excellent written and verbal communication skills

Responsibilities

• Serve as the referral underwriter for complex submissions, larger accounts, and accounts that fall outside front-line authority across all lines of business
• Bring underwriting discipline to the design of the product — translating years of desk experience into the guidelines, eligibility criteria, and appetite that will govern the book
• Document referral patterns and feed them back into refinements of underwriting guidelines and authority levels

Skills

Communication skills

Portfolio mindset

On-site work

Education

Bachelor's degree

CPCU/CIC/AU designations

Job description

At Orion180, we don’t just stand out for what we do; we shine because of how we do it. Our mission is to deliver an exceptional insurance experience through innovative technology, unparalleled customer service, and a comprehensive suite of products. Our vision is to be the premier global provider of insurance solutions and redefine the insurance industry.

O rion180 is proud to call three vibrant cities home. Our headquarters on Florida’s stunning Space Coast in Melbourne offers an exceptional quality of life, with affordable housing, excellent transportation, and close proximity to major cities like Orlando, Tampa, and Miami. Our Irving, Texas, office places us in a dynamic center of culture, business, and entertainment, keeping us closely connected to innovation and growth. Our Draper, Utah, location, nestled in the heart of the Salt Lake Valley, connects us to a rapidly growing tech ecosystem and provides access to the outdoor lifestyle and natural beauty the region is known for.

This role is built for an experienced commercial underwriter who is ready to do more than work submissions. You will bring your underwriting judgment to bear on how the product itself is designed: the forms, the appetite, the guidelines, the portfolio strategy. You will also serve as the senior underwriting voice on referrals. If you have been the underwriter on the desk who other people come to with hard accounts and questions about why guidelines say what they say, this role gives you a seat at the table where those guidelines are written.

WHAT YOU’LL DO:

• Serve as the referral underwriter for complex submissions, larger accounts, and accounts that fall outside front-line authority across all lines of business
• Bring underwriting discipline to the design of the product — translating years of desk experience into the guidelines, eligibility criteria, and appetite that will govern the book
• Document referral patterns and feed them back into refinements of underwriting guidelines and authority levels

Product Build & Forms Strategy

• Partner with the CUO and Head of Commercial Lines to define product appetite and underwriting guidelines
• Contribute to forms strategy and helping design proprietary endorsements that address coverage gaps and differentiate the product
• Collaborate with Actuarial on the translation of underwriting judgment into rating variables and rules
• Partner with IT on PAS and rating engine configuration — the underwriting questions, business rules, and referral triggers that will shape day-to-day workflows
• Work with Legal and Compliance on form filings and admitted vs. non-admitted product structure

WHAT'S WE'RE LOOKING FOR

Education and Work Authorization

• Bachelor's degree in finance, Business Management, Economics is preferred
• Authorized to work in the U.S. (U.S. Citizen or Green Card Holder)

Required Experience

• 4+ years of hands-on commercial property and casualty underwriting experience, with a track record of managing a profitable book of business
• Strong working knowledge of commercial forms — CGL, BOP, Commercial Property — and how endorsements modify base coverage
• Demonstrated underwriting judgment on complex or non-standard accounts — the kind of judgment that comes from years of working the desk
• Strong portfolio mindset — able to think beyond the individual account to what a book of business needs to perform
• Comfort with ambiguity and the build environment; this is a buildout inside an established company, and the right person will help shape decisions rather than wait for them
• Excellent written and verbal communication skills

Preferred Experience

• CPCU, CIC, AU, or other commercial P&C underwriting designations
• Prior experience contributing to product development, forms drafting, or underwriting guideline authoring
• Experience underwriting through independent agent distribution channels
• Familiarity with policy administration systems and rating engines from an underwriting user’s perspective
• Prior involvement in launching a new product or entering a new state

Join Our Team & Make an Impact!

At Orion180, we don’t just meet expectations, we exceed them. If you’re ready to take your career to the next level and be part of a growing, forward-thinking company,

• Dynamic Environment: On-site role with a fast-paced and collaborative team culture . Results-driven office where your contributions make a real impact.
• Compensation: Competitive base pay and performance bonuses.
• Career Growth: M entorship, growth tracks, and professional development.
• Benefits: Medical, dental, vision, 401k, paid holidays, PTO and more!

The office environment is fast-paced and collaborative. An employee must be willing and able to work their regularly assigned work schedule onsite, and in times of need, be able to work an extended schedule depending on company or departmental needs, project requirements, or customer demands.

While performing general duties for this position, the employee is regularly required to sit, stand, and/or walk around (including the use of stairs). Other demands include the ability to openly communicate with others by talking, listening, comprehending, and reading; being able to lift light objects (<25 lbs); and using standard office equipment such as computers, printers, and phones. In addition, there is an occasional need to bend, twist, or squat down to open/close cabinets and reach for files or other standard office-type objects.

Orion180 is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or protected veteran status.

Reasonable accommodations are available for qualified individuals with disabilities during the application process. Applicants who need accommodations may email [e-mail] to request assistance.