Senior Construction Underwriter

Tokio Marine HCC International; Athens (GA); Remote; USD 94,000 - 164,000; Full time

Benefits offered by this job

Competitive salary and comprehensive [

401(k) plan with company match

PTO and holidays

Parental leave

Volunteer time off

Job summary

Tokio Marine HCC International is seeking a Senior Construction Underwriter to develop and manage a profitable middle-market construction book. You will market to brokers, grow a regional book, and operate with minimal supervision to deliver sustainable profitability.

The role requires at least 5 years in E&S construction underwriting and a strong production mindset. Remote work is supported with territorial focus and ongoing development opportunities.

Qualifications

• Minimum 5 years E&S construction underwriting experience.
• Experience underwriting middle-market construction accounts.
• Ownership of a sizeable book of business, e.g., $3M–$5M.
• Experience marketing to brokers and developing relationships.
• Ability to work independently with minimal supervision.

Responsibilities

• Evaluate new and renewal policy applications, classify risk, price, and endorse appropriately.
• Respond to broker inquiries within designated timeframe as underwriting resource.
• Maintain bound files and underwriting documentation per guidelines.
• Adhere to underwriting authority directives and policies.
• Approve/deny within authority or escalate as needed.
• Cultivate internal and external relationships to facilitate underwriting.
• Support colleagues with underwriting procedures and guidelines.

Skills

ES Construction Underwriting

Middle-market focus

Education

Bachelor's degree or equivalent

Designations preferred (RPLU/CPCU/AU/CIC)

Job description

Role Details

Job Title: Senior Construction Underwriter-Middle Market Focus

Location: Remote
Reports To: Vice President
Employment Type: FTE

About Us

Help us insure it. Tokio Marine HCC is a leading global specialty insurance group, backed by the strength and stability of the Tokio Marine Group. With more than 50 years of sustained growth and profitability, and offices across the United States, the United Kingdom, Europe, and other international locations, we offer more than 100 classes of specialty insurance—covering everything from the crops that feed us and the concerts that entertain us to rescuing travelers abroad.

Guided by our Mind Over Risk philosophy, we empower clients to pursue opportunities with confidence while fostering a culture rooted in innovation, collaboration, and trust. Always Advancing , we embrace an entrepreneurial spirit; as Experts in Tomorrow , we anticipate what’s next; and by Reaching Out , we build genuine connections that enable our people and our business to thrive.

Role Overview

We are seeking an experienced E&S Construction Underwriter to develop and manage a profitable middle-market construction book of business . The ideal candidate brings at least 5 years of E&S construction underwriting experience , with demonstrated success underwriting larger, more complex contractor accounts and managing a meaningful book of business.

This role requires a strong production and business-development mindset . You will actively market to brokers, build relationships, identify new opportunities, and independently develop and grow an assigned territory. Success in this role requires an underwriter who can operate with minimal supervision , make sound underwriting decisions, and take ownership of profitable book growth.

Ideal Candidate Profile

• Senior-level underwriter with the potential to exceed the minimum qualifications.
• Minimum of 5 years underwriting E&S (Excess & Surplus/non-admitted) construction business.
• Experience underwriting middle-market construction accounts rather than small business/artisan accounts.
• Demonstrated ownership of a sizeable book of business, ideally $3M-$5M or more.
• Experience marketing to brokers and developing business relationships.
• Ability to work independently and build a territory with minimal supervision.

Technical / Business Requirements

• Must have E&S construction underwriting experience.
• Middle-market focus with average premium sizes generally around $18K-$25K (up to ~$100K).
• Not seeking candidates whose experience is primarily small business/artisan, where average premiums are approximately $1,300.
• Should understand and manage larger, more complex accounts.

Key Responsibilities

• Evaluate new and renewal policy applications and related documents to classify and assess each risk, determine acceptability, assign rating, indicate endorsements and limits, and determine appropriate pricing.
• Contact and respond to verbal and written inquiries from brokers within designated timeframe to provide appropriate information and serve as an underwriting resource.
• Create and maintain all documentation (physical and electronic) including new and renewal bound files, underwriting worksheets, documentation of phone conversations, and other key documents according to departmental guidelines.
• Adhere to all company underwriting authority directives, underwriting guidelines, and other applicable company policies and procedures.
• Approve or deny within given authority or recommend approval or denial to higher authority.
• Cultivate relationships with internal and external contacts to facilitate the underwriting process, promote business development, and to remain abreast of industry trends.
• Serve as a resource to other departmental staff with regards to underwriting procedures and other departmental guidelines.
• Develop understanding of various factors that affect and influence policy rating and risk.

Competencies

• Planning: Follow work plans, established timelines, and predefined goals for assigned work; meet commitments on deadlines.
• Communication: Communicate activities, results, and observations with employees and management as appropriate.
• Cost Management: Identify areas for improvement in existing business practices; perform work thoroughly in a cost-efficient manner and at a high productivity level.
• Business Controls and Policies: Comply with all corporate policies and procedures; report any breakdowns in controls to management; conduct all activities in a safe manner.
• People Management: No people management responsibility.

What You Bring

• Bachelor's degree or the equivalent education and/or experience.
• 5 years of relevant and progressive middle market contractors E&S professional experience.
• Preferred: Studies toward attaining a Registered Professional Liability Underwriter (RPLU), Chartered Property Casualty Underwriter (CPCU), Associate in Commercial Underwriting (AU), Certified Insurance Counselor (CIC), or equivalent insurance designation depending on specialty area.

Travel (if required/needed)

Occasional travel (up to 25% of time). Passport required: No. Driver's license required: Yes.

What We Offer

• Competitive salary and comprehensive medical, vision, and dental benefit package, with eligibility beginning on your date of hire
• Strong learning culture with ongoing development opportunities
• Basic life and disability insurance
• 401(k) plan with 6% company match
• 20 days of PTO, two floating holidays, approximately 11 paid holidays, and volunteer time off
• Paid parental leave
• An opportunity to do meaningful work and love what you do

Equal Opportunity Employer

TMHCC is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to age, ancestry, citizenship, color, family or medical care leave, gender identity, genetic information, marital status, medical condition, national origin, physical or mental disability, protected veteran or military status, race, ethnicity, religion, sex (including pregnancy), sexual orientation, or any other characteristic protected by applicable local laws, regulations, and ordinances.

Disclaimer

As an insurance company, we comply with certain federal, state and local laws such as the Violent Crime Control and Law Enforcement Act of 1994 (18 USC § 1033(e)), which restricts our ability to employ individuals with certain types of criminal convictions. Where not restricted by law and for criminal history not covered by this law, the Company will consider qualified applicants with arrest or conviction history in compliance with applicable law.

Pay Transparency

The pay range for this position is $94,200-$164,300, which includes geographic adjustments, where applicable. The pay range is the range THMCC, in good faith, believes is the range of compensation for this role at the time of this posting. The hired applicant will be offered pay within the entire range based on the candidate’s geographic location, qualifications, work experience, education, and/or skill level. The Company is fully committed to ensuring equal pay opportunities for equal work regardless of color, race, sex, national origin, sexual

orientation, religion, age, veteran status, disability, pregnancy, citizenship status, genetic information, or any other basis protected by federal, state, or local pay equity laws.