Senior Underwriter, Inland Marine

Liberty Mutual Fire Insurance Co.; Sacramento (CA); On-site; USD 90,000 - 120,000; Full time

Benefits offered by this job

Competitive compensation

Benefits package

Job summary

Liberty Mutual Fire Insurance Co. is seeking an Inland Marine Underwriter in California to build and manage diversified books of business, joining a team that balances data analytics with professional judgment.

This role emphasizes risk assessment, premium setting, and collaborative engagement with agents and brokers to improve growth and profitability while adhering to underwriting guidelines.

Qualifications

• Bachelor's degree in a related field or 5–8 years of underwriting experience.
• CPCU or other insurance designation preferred.
• Understanding of contract language and state regulatory differences.

Responsibilities

• Write new Inland Marine accounts and grow broker relationships.
• Assess risks, determine premiums, set conditions, and negotiate deals.
• Review data to determine risk selection and opportunities for growth.
• Mentor underwriters and share best practices.
• Document account reviews, state sign-offs and referrals per underwriting guidelines.

Skills

Relationship building

Communication skills

Underwriting discipline

Desk management

Mentoring

Education

Bachelor's degree or equivalent

Job description

Great underwriters know how to balance data analytics with human intuition. If you like both quantitative and qualitative reasoning, enjoy the challenge and autonomy of managing your own accounts-at a company that offers competitive compensation and benefits, then consider joining the underwriting department at Liberty Mutual.

As an Inland Marine Underwriter in property casualty insurance, you'll develop, grow and maintain diversified books of business while working closely with agents and brokers to assess risks, determine premiums, set conditions and negotiate deals that maximize profitability and meet business goals.

*This is a ranged posting and level offered will be based on candidate experience at manager discretion.*

Ideal candidate will be located in Northern California; we're also open to candidates based anywhere in the Pacific time zone, as well as western Mountain time zone states.

• Strategic Account Manager : As part of your portfolio strategy, you'll ensure a profitable Inland Marine book of business by writing new accounts and growing successful agent and broker relationships and pursuing renewals
• Problem solver : You'll crunch the numbers and review the data to determine risk selection, premiums, policies and conditions, as well as identify opportunities for improved growth, profit and diversification
• Clear communicator : You'll maintain and nurture successful relationships with agents and brokers, while presenting proposals, negotiating deals and obtaining approvals
• Collaborative teammate : Contributing to overall team success, you'll mentor underwriters in both a technical and professional capacity-sharing best practices and identifying opportunities for continuous improvement
• Conscientious professional : Understanding that the deal isn't done until the paperwork is complete, you'll document account reviews, state-compliant sign-offs and referrals, letters of authority and follow underwriting guidelines

Ideal Experience Includes

• An aptitude for building rewarding relationships with agents and brokers, peer underwriters, underwriting assistants, and junior underwriters
• Understanding of contract language, including regulatory and policy differences among applicable states
• Familiarity with continuous improvement processes and tools
• Excellent communication skills
• Strong desk management, collaboration, and underwriting discipline

Qualifications

Intermediate-level knowledge of insurance products/coverage, market segments and marketplace; insurance finance and actuarial concepts; loss control/risk engineering; marketing/selling techniques, regulatory environment and reinsurance. Advanced-level knowledge of underwriting, pricing, risk selection, territory management. Ability to apply underwriting/appetite, tools, systems, and resources to achieve goals, solve complex problems, establish and build healthy working relationships, participate in mentoring relationships, and negotiate as normally acquired through a related bachelor`s degree or 5-8 years of commercial lines underwriting experience preferred; CPCU or professional insurance designation preferred.

About Us

Pay Philosophy: The typical starting salary range for this role is determined by a number of factors including skills, experience, education, certifications and location. The full salary range for this role reflects the competitive labor market value for all employees in these positions across the national market and provides an opportunity to progress as employees grow and develop within the role. Some roles at Liberty Mutual have a corresponding compensation plan which may include commission and/or bonus earnings at rates that vary based on multiple factors set forth in the compensation plan for the role.At Liberty Mutual, our goal is to create a workplace where everyone feels valued, supported, and can thrive. We build an environment that welcomes a wide range of perspectives and experiences, with inclusion embedded in every aspect of our culture and reflected in everyday interactions. This comes to life through comprehensive benefits, workplace flexibility, professional development opportunities, and a host of opportunities provided through our Employee Resource Groups. Each employee plays a role in creating our inclusive culture, which supports every individual to do their best work. Together, we cultivate a community where everyone can make a meaningful impact for our business, our customers, and the communities we serve. We value your hard work, integrity and commitment to make things better, and we put people first by offering you benefits that support your life and well-being. To learn more about our benefit offerings please visit: https://www.libertymutualgroup.com/about-lm/careers/benefits

Liberty Mutual is an equal opportunity employer. We will not tolerate discrimination on the basis of race, color, national origin, sex, sexu