Senior Underwriter – High-Value Personal Property

The Jacobson Group; Illinois; Hybrid; USD 68,000 - 92,000; Full time

Job summary

The Jacobson Group, based in Illinois, is seeking a seasoned Senior Underwriter to join its insurance solutions practice. The role focuses on high-value personal property, including jewelry, watches and fine art, and requires strong risk judgment and independent decision making.

You will review documentation, analyze appraisals, determine insured values, and communicate directly with clients to provide exceptional service.

Qualifications

• 5+ years of underwriting experience in personal lines property insurance.
• Experience independently making issuance, decline and cancellation decisions.
• Ability to identify risk indicators across full applicant profiles.
• Experience with direct customer communication via phone, email and chat.
• Strong written skills to document reasoning clearly.
• Comfortable working with proprietary technical systems and learning new tools quickly.
• Sound judgment in high-volume, fast-paced environments.
• Bachelor's degree or equivalent professional underwriting experience.

Responsibilities

• Review referred quotes and applications to evaluate risk and make sound underwriting decisions, documenting the rationale comprehensively.
• Analyze photo and appraisal documentation to assess authenticity and acceptability in support of new and in-force policies.
• Determine insured values by evaluating appraisals, requested coverage limits and internal pricing tools, initiating checks as necessary.
• Conduct detailed risk reviews on applicant profiles including decline, cancellation and loss history checks.
• Identify red flags across an application, the item insured and supporting documentation, escalating issues as needed.
• Issue, request additional information, adjust limits and recommend cancellations or escalations for complex cases.
• Clearly document reasoning to ensure compliance with audit and peer review standards.
• Communicate directly with customers via various channels to resolve documentation issues and answer coverage or policy questions.
• Collaborate with underwriting assistants to verify work quality, process files efficiently and provide feedback.
• Participate in team discussions focusing on product enhancement, risk appetite and process improvements.

Skills

Underwriting experience

Risk assessment

Client communication

Documentation

Proprietary systems

Education

Bachelor's degree

Tools

Proprietary underwriting systems

Job description

The Jacobson Group, based in Illinois, is seeking a seasoned Senior Underwriter to join its insurance solutions practice. The role focuses on high-value personal property, including jewelry, watches and fine art, and requires strong risk judgment and independent decision making.

You will review documentation, analyze appraisals, determine insured values, and communicate directly with clients to provide exceptional service.