Senior Program Underwriter - Property & Casualty

Pinion Insurance; United States; Remote; USD 110,000 - 170,000; Full time

Benefits offered by this job

Health & dental insurance

401(k) retirement plan

Paid time off (PTO) and holidays

Professional development (CPCU courses

Disability insurance

Job summary

Pinion Insurance seeks a Senior Program Underwriter to lead underwriting and management of diverse P&C and specialty programs. This fully remote role combines technical underwriting, risk portfolio analysis, and partner management with MGA collaborations.

The candidate will apply sound underwriting judgment, identify opportunities and emerging risks, and drive disciplined, profitable growth while working in an entrepreneurial, high-accountability environment.

Qualifications

• 5+ years of commercial P&C underwriting experience, preferably with program business exposure.
• Bachelor's degree in business, finance, risk management, or related fields.
• Deep understanding of commercial property, general liability, auto, and umbrella coverages.
• Advanced ability to interpret actuarial data, loss runs, and financial models.
• Strong communication skills to manage, influence, and negotiate with external partners.
• CPCU, AU, or CIC designations are highly preferred.
• 100% remote / work-from-home within the United States.
• Occasional travel for industry conferences, meetings and audits.

Responsibilities

• Portfolio management: oversee niche P&C and specialty portfolios for profitability.
• Risk assessment: evaluate complex multi-line commercial risks and program limits.
• Guideline development: establish pricing structures, coverage forms, and underwriting rules.
• Performance tracking: use data to analyze loss ratios, trends and premium data.
• Partner relations: manage relationships with program administrators, brokers and stakeholders.
• Compliance oversight: ensure alignment with state regulations and corporate guidelines.

Skills

Underwriting

Program underwriting

Risk analysis

Negotiation

Analytical thinking

Education

Bachelor's degree

CPCU

AU

CIC

Job description

Senior Program Underwriter – Property & Casualty (P&C)

About Pinion Insurance

Pinion Insurance is a data-driven specialty insurance carrier focused on creating a better way to work with our program administrator partners. We’re dedicated to delivering innovative, tailored capacity solutions for niche markets. Combining underwriting expertise with technology, data and analytics, Pinion’s proprietary platform, Sarrus, is modernizing the MGA ecosystem. Our culture is built on collaboration, active communication, expertise, and integrity. As an early-stage business with experienced leadership, Pinion offers the opportunity to make a genuine impact and help shape a modern specialty insurer. We’re a remote-first organization, empowering our team members to thrive from anywhere while maintaining a strong culture of support and professional growth

Job Overview

Pinion Insurance is seeking a Senior Program Underwriter to lead the underwriting and management of a diverse portfolio of specialized Property & Casualty (P&C) and specialty insurance programs. This fully remote position combines technical underwriting expertise, risk portfolio analysis, and strategic partner management. The successful candidate will apply sound underwriting judgement, identify opportunities and emerging risks, and work closely with MGA partners to drive disciplined, sustainable and profitable growth.

Pinion is an entrepreneurial, collaborative, and high-accountability environment where people are encouraged to think independently, ask questions, and take ownership. As a growing specialty insurer, we are building our business, processes and technology from the ground up, creating opportunities for our people to have a meaningful impact.

Key Responsibilities

• Portfolio Management: Accountable for the oversight and performance management of niche P&C and specialty insurance portfolios, analyzing portfolio trends, identifying emerging risks, and supporting disciplined underwriting and sustainable profitability.
• Risk Assessment: Evaluate complex, multi-line commercial risks, exposures, and program aggregate limits.
• Guideline Development: Establish pricing structures, coverage forms, and underwriting rules for program administrators.
• Performance Tracking: Leverage Pinion technology and data to analyze loss ratios, claim trends, and premium data to drive strategic adjustments.
• Partner Relations: Manage and strengthen relationships with program administrators, brokers, and stakeholders.
• Compliance Oversight: Maintain strict alignment with state regulations, filing requirements, and corporate guidelines.

Qualifications & Skills

• Experience: 5+ years of commercial P&C underwriting experience, preferably with exposure to program business in various exposure classes.
• Education: Bachelor's degree in business, finance, risk management, or related fields.
• Technical Knowledge: Deep understanding of commercial property, general liability, auto, and umbrella coverages.
• Analytical Skills: Advanced ability to interpret actuarial data, loss runs, and financial models.
• Negotiation: Strong communication skills to manage, influence, and negotiate with external partners.
• Designations: CPCU, AU, or CIC certifications are highly preferred.
• Location: 100% remote / work-from-home within the United States.
• Travel: Occasional travel required for industry conferences, corporate meetings, and on-site business development and partner audits.

At Pinion Insurance, we invest in our employees' health, well-being, and future. We offer a comprehensive benefits package that you can edit and customize below:

• Health & Wellness: Comprehensive medical, dental, and vision insurance plans with company contribution.
• Retirement: 401(k) retirement savings plan .
• Paid Time Off: Generous Paid Time Off (PTO) and paid company holidays.
• Professional Development: Reimbursement options for continuing insurance education, CPCU courses, and professional certifications.
• Life & Disability: Employer-paid short-term disability, long-term disability, and basic life insurance.