Property Underwriter

Hamilton; United States; Hybrid; USD 80,000 - 120,000; Full time

Benefits offered by this job

Matching 401K plan

Generous time off

My day (additional personal leave)

Job summary

Hamilton is seeking an Underwriter for US Property, offering a hybrid work model based out of Richmond, VA, or the New York/New Jersey area, with remote options available. The role involves managing relationships with brokers and clients, focusing on Excess & Surplus lines placements.

The ideal candidate will possess strong negotiation skills, analytical abilities, and experience in E&S Property underwriting. Hamilton provides a competitive salary, annual performance-based bonus, and benefits including a matching 401K plan and generous time off.

Qualifications

• Minimum experience in E&S Property underwriting, ideally across various coverage types.
• Ability to produce profitable results in a fast-paced environment.
• Strong technical expertise in E&S Property risk drivers.

Responsibilities

• Drive high-volume production by sourcing and underwriting E&S Property submissions.
• Engage brokers to expand submission flow and trading relationships.
• Ensure underwriting discipline and maintain guidelines.

Skills

E&S Property underwriting experience

Strong analytical skills

Negotiation skills

Risk evaluation

Education

Bachelor's degree in related field

Job description

Overview

We’re looking for an Underwriter, US Property.

This role is a hybrid working position based in either Richmond, VA, or the greater New York/New Jersey area. We will consider a remote US location for appropriately qualified candidates.

We are seeking a highly motivated insurance professional for a U.S.-based hybrid or remote role reporting to the Head of U.S. Property. This individual will play a pivotal role in the development, launch, and expansion of our U.S. E&S Property portfolio. This is a unique opportunity to help build a modern, agile E&S Property platform from the ground up.

This role will focus on Excess & Surplus (E&S) lines placements for Property coverages, including Critical Catastrophe exposures, for middle market and commercial entities utilizing the Hamilton Select platform.

The successful candidate will be responsible for developing and managing relationships with wholesale brokers and clients in the U.S. This role will include business travel.

What you will do

• Drive high-volume production by efficiently sourcing, triaging, and underwriting a large flow of E&S Property submissions across all risk sizes and complexities.
• Execute the full underwriting workflow, including:
• Daily broker engagement to generate submission flow and expand trading relationships.
• Rapid triage and prioritization of incoming opportunities to focus on accounts with the highest probability of binding.
• Fast, accurate risk evaluation, applying underwriting judgment, CAT insights, and pricing tools to determine structure, attachment strategy, and terms.
• Negotiate and issue quotes using critical thinking, market awareness, and competitive positioning.
• Bind and authorize accounts within delegated underwriting authority.
• Maintain a strong market presence by attending broker meetings, industry events, and conducting regular travel to key trading partners.
• Ensure underwriting discipline, adhering to guidelines, appetite, and risk-selection standards while still driving production goals.
• Strengthen and deepen broker relationships, positioning yourself as a go-to market underwriter for E&S property opportunities.
• Help develop and refine underwriting processes, tools, and workflows to support a fast-moving, high-volume business environment.
• Assist with onboarding, training, and mentoring new team members as the portfolio grows.

What you require for the role

Key Attributes

• Experienced underwriter with the majority of their career in E&S Property, ideally with a mix of primary, excess, shared & layered, and quota share experience.
• Demonstrated ability to produce profitable results in a fast-paced, high-volume underwriting environment.
• Strong technical expertise in E&S Property risk drivers, including natural catastrophe exposure, secondary modifiers, construction types, protection features, and regional market dynamics.
• Understands and is aligned with a business model focused on smaller, niche E&S risks, where speed, efficiency, and strong broker partnerships drive success.
• Established relationships within the wholesale broker community, with a proven track record of expanding and deepening trading relationships to generate consistent submission flow.
• Sound underwriting judgment, with the ability to balance objective analytics (CAT modeling, pricing tools, exposure metrics) with subjective factors (broker quality, account nuances, market intelligence).
• Ability to articulate and defend underwriting decisions, including pricing rationale, attachment strategy, and risk-selection reasoning.
• High attention to detail and strong analytical skills, with the ability to process and prioritize large volumes of submissions without sacrificing quality.
• High integrity and professionalism in all internal and external interactions.

Other Personal Attributes

• Strong multi-tasking ability, capable of managing a high volume of submissions, broker communication, and prioritization decisions simultaneously.
• Confident, timely decision-maker who can evaluate information quickly and commit to a position in fast-moving E&S markets.
• Approachable, market-facing presence with the ability to build trust and effectively represent the business in all broker interactions.
• Highly organized and self-directed, able to work independently while managing daily production targets and planning ahead to meet deadlines.
• Strong negotiation skills, demonstrating the ability to engage brokers constructively while maintaining underwriting discipline.
• Dependable, consistent, and resilient, maintaining a high standard of performance in a demanding, high-volume underwriting environment.

What you can expect from us

We offer a vibrant, entrepreneurial, and collaborative culture guided by our values: Be Smart, Be Sensible, Be Open and Be More.

We know if we welcome and respect differences, we’ll attract and retain talent that brings a valuable diversity of perspectives and experience. We want all our colleagues to feel that they can bring their whole selves to work at Hamilton and know that they can be part of building a great company.

Hamilton offers a competitive salary with an annual performance-based target bonus and a comprehensive benefits package, to include:

• Matching 401K plan
• Generous time off (including parental leave)
• My day (additional days leave for personal interests/wellness/charity work)

Hamilton (NYSE: HG) underwrites specialty insurance and reinsurance risks on a global basis through its wholly owned subsidiaries. Its three underwriting platforms: Hamilton Global Specialty, Hamilton Select and Hamilton Re, each with dedicated and experienced leadership, provide access to diversified and profitable business around the world.

Headquartered in Bermuda, Hamilton has over 600 employees with key underwriting operations in London, Bermuda, the US and Dublin. We work collaboratively, we share a passion for the service and results we deliver, and we know that what we do each day is meaningful – to our customers and our business. We believe we are ‘In good company.’ with everyone we interact with.