Property | Middle Market & E&S- Underwriter

Socket.dev; Denver (CO); Hybrid; USD 110,000 - 150,000; Full time

Benefits offered by this job

Competitive compensation

Comprehensive benefits

Career development

Collaborative culture

Global reach with local impact

Job summary

Gallagher is seeking a Property Underwriter for the Western United States to support growth, profitability, and client service. The role involves underwriting, marketing, and relationship management with retailers, brokers, and carriers, in a hybrid work arrangement.

Ideal candidates have 3+ years in commercial Property underwriting, with Middle Market or E&S experience preferred, and strong communication and negotiation skills to develop profitable book of business.

Qualifications

• Bachelor's degree preferred or equivalent combination of education and industry experience.
• 3+ years of commercial Property underwriting experience.
• Experience underwriting Middle Market and/or Excess & Surplus (E&S) Property business preferred.
• Demonstrated ability to analyze risk exposures, evaluate coverage needs, and make sound underwriting decisions.
• Strong communication, negotiation, and relationship-building skills.
• Ability to manage multiple priorities in a fast-paced, production-driven environment.
• Self-motivated and entrepreneurial with a strong interest in business development and market-facing activities.

Responsibilities

• Uses independent judgment and initiative to support departmental production, retention, and profitability goals.
• Reviews, analyzes, and underwrites new and renewal business within established underwriting authority and company guidelines.
• Evaluates account exposures, coverage requests, loss experience, and financial information to determine risk acceptability and appropriate pricing.
• Analyzes coverage and limit requests and develops underwriting terms and conditions consistent with company objectives.
• Prices business in accordance with underwriting guidelines, authority levels, and profitability objectives.
• Maintains responsibility for service, retention, and growth of an assigned renewal book of business and agency relationships.
• Reviews premium and loss information as part of renewal, endorsement, and mid-term underwriting activities.
• Assesses risk quality and compliance with underwriting guidelines and recommends appropriate risk management or loss prevention actions.
• Develops and maintains effective business relationships with retail agents, brokers, carrier partners, and internal stakeholders to attract and retain profitable business.
• Participates in marketing and business development activities designed to increase submission flow and strengthen agency relationships.
• Maintains complete and accurate underwriting documentation in accordance with company standards and regulatory requirements.
• Provides a high level of customer service to both internal and external business partners.
• Collaborates with underwriting, brokerage, claims, and service teams to deliver competitive solutions and exceptional client experiences.

Skills

Communication skills

Negotiation

Relationship building

Prioritization

Education

Bachelor's degree or equivalent

Job description

Introduction

At RPS, we don't just embrace bold ideas, we make them happen. We're a team of entrepreneurs, big-picture thinkers, and passionate experts who thrive on possibility. Every day, we collaborate across teams, challenge convention, and push boundaries to design innovative solutions for our clients. With access to top-rated carriers and a dynamic marketplace, we bring strategy and creativity together to deliver what others might call impossible. Here, every voice counts, every perspective matters, and every challenge is an opportunity to grow. You'll be supported by a culture that celebrates ownership, curiosity, and high performance, where you're trusted to do your best work and encouraged to keep learning along the way.

Overview

Property | Middle Market & E&S

Responsible for supporting the growth and profitability of a Property portfolio through underwriting, marketing, and relationship management activities. Reviews, evaluates, and underwrites new and renewal business within delegated authority while developing strong agency and broker relationships. Contributes to retention, growth, and service objectives through sound underwriting practices and proactive business development efforts.

How you'll make an impact

• Uses independent judgment and initiative to support departmental production, retention, and profitability goals.
• Reviews, analyzes, and underwrites new and renewal business within established underwriting authority and company guidelines.
• Evaluates account exposures, coverage requests, loss experience, and financial information to determine risk acceptability and appropriate pricing.
• Analyzes coverage and limit requests and develops underwriting terms and conditions consistent with company objectives.
• Prices business in accordance with underwriting guidelines, authority levels, and profitability objectives.
• Maintains responsibility for service, retention, and growth of an assigned renewal book of business and agency relationships.
• Reviews premium and loss information as part of renewal, endorsement, and mid-term underwriting activities.
• Assesses risk quality and compliance with underwriting guidelines and recommends appropriate risk management or loss prevention actions.
• Develops and maintains effective business relationships with retail agents, brokers, carrier partners, and internal stakeholders to attract and retain profitable business.
• Participates in marketing and business development activities designed to increase submission flow and strengthen agency relationships.
• Maintains complete and accurate underwriting documentation in accordance with company standards and regulatory requirements.
• Provides a high level of customer service to both internal and external business partners.
• Collaborates with underwriting, brokerage, claims, and service teams to deliver competitive solutions and exceptional client experiences.

Key Details

Territory: Western United States
Work Arrangement: Hybrid
Travel: Moderate travel for agency visits, broker meetings, industry events, and business development activities as needed

About You

• Bachelor's degree preferred or equivalent combination of education and industry experience.
• 3+ years of commercial Property underwriting experience.
• Experience underwriting Middle Market and/or Excess & Surplus (E&S) Property business preferred.
• Demonstrated ability to analyze risk exposures, evaluate coverage needs, and make sound underwriting decisions.
• Strong communication, negotiation, and relationship-building skills.
• Ability to manage multiple priorities in a fast-paced, production-driven environment.
• Self-motivated and entrepreneurial with a strong interest in business development and market-facing activities.

Preferred Experience

• Property underwriting experience with a focus on Middle Market and/or E&S business.
• Established broker and agency relationships throughout the Western United States.
• Strong business development and relationship management skills.
• Proven ability to market, generate, and develop new business opportunities.
• Ability to build and maintain a healthy pipeline of submissions and contribute to regional growth initiatives.
• Strong technical underwriting, coverage analysis, and risk assessment capabilities.

Compensation and benefits

At Gallagher, we believe supporting our colleagues goes far beyond the role itself.For more information, visit our Benefits page.

• Competitive compensation
• Comprehensive benefits programs designed to support your well-being
• Career development opportunities and ongoing learning
• A collaborative, people-first culture with accessible leadership
• The opportunity to do meaningful work with global reach and local impact

At Gallagher, we are dedicated to building an inclusive and authentic workplace. If your past experience doesn't align perfectly, we encourage you to join our Talent Community to stay connected to additional career opportunities. At times, we will consider transferable skills from previous roles.

Gallagher is an affirmative action/equal opportunity employer (Minorities/Females/Veterans/Disabled)