Senior Underwriter – Middle Market, General Industries

AXA XL; Cincinnati (OH); On-site; USD 120,000 - 199,000; Full time

Job summary

AXA XL, the P&C and specialty risk division of AXA, is seeking an experienced Middle Market Underwriter for the Central Zone in the United States. You will underwrite new and renewal business, build broker and client relationships, and execute your annual desk-level underwriting plan to support growth.

The role demands deep knowledge of the US insurance market, strong communication, and a collaborative, team-oriented approach.

Qualifications

• Outstanding knowledge of the US insurance industry and P&C product offerings.
• Experience in Middle Market underwriting, claims, or business development.
• Ability to differentiate AXA XL through offerings and conduct of business.
• Proven ability to build and maintain insured and broker relationships.

Responsibilities

• Underwrite new and renewal business for the assigned territory.
• Execute your own annual desk-level underwriting plan.
• Adhere to guidelines, authorities and referral requirements as needed.
• Ensure high quality service and compliance with audit guidelines.
• Collaborate in a team environment and cross-sell within Middle Market.

Skills

US insurance industry

P&C product knowledge

Broker relationships

Underwriting experience

Team collaboration

Education

Bachelor's degree preferred

CPCU certification a plus

ARM designation a plus

Job description

Our Middle Markets business focuses on mid-sized customers in the US Commercial P&C market. In this role you will be responsible for underwriting our Middle Market products and establishing broker and client relationships in the Central Zone to support growing this business.

What you’ll be doing

Essential Responsibilities Include

• Underwriting both new and renewal business for assigned territory.
• Execution of your own annual desk-level underwriting plan.
• Adhere to underwriting guidelines, underwriting authorities and referral requirements as needed to Chief Underwriting Officer and Referral Resources.
• Ensuring high quality service standards and compliance with all internal audit guidelines.
• Work collaboratively in a team environment.
• Cross-sell across Middle Market business unit to maximize deployment of AXA XL’s capital.
• Travel within territory for broker, client, and internal meetings.
• Develop, maintain and service broker relationships within the distribution model. Coordinate with brokers to determine their marketing and education needs supported by AXAXL Middle Market.
• Act as a representative of the company and our agents by attending internal/external company functions, agent sponsored and industry events.

You will report to central zone Underwriting Manager, General Industries.

What you’ll bring

We’re looking for someone who has these abilities and skills:

• Outstanding knowledge of the US insurance industry, combined with in-depth technical knowledge of P&C product offerings and effective broker relationships.
• Middle Market insurance experience (e.g., underwriting, claims, or insurance related business development experience).
• Consistently pursue opportunities to differentiate AXA XL in the industry through our offerings and how we conduct business.
• Demonstrated ability to build and maintain outstanding insured and broker contacts.
• Excellent written and oral communication skills. Excellent customer service focus is a must.
• Collaborative team player who provides creative solutions and ideas for resolution.

Desired Skills And Abilities

• Bachelor’s Degree preferred; professional designations CPCU, ARM a plus
• Excellent analytical skills.
• Excellent communication skills.
• Excellent marketing, presentation and negotiation skills.
• Solid leadership and management skills.
• Excellent decision-making skills.

Who we are

AXA XL, the P&C and specialty risk division of AXA, is known for solving complex risks. For mid-sized companies, multinationals and even some inspirational individuals we don’t just provide re/insurance, we reinvent it.

By combining a comprehensive and efficient capital platform, data-driven insights, leading technology, and the best talent in an agile and inclusive workspace, empowered to deliver top client service across all our lines of business – property, casualty, professional, financial lines and specialty.

With an innovative and flexible approach to risk solutions, we partner with those who move the world forward.

Learn more at axaxl.com

What we offer

Inclusion

AXA XL is committed to equal employment opportunity and will consider applicants regardless of gender, sexual orientation, age, ethnicity and origins, marital status, religion, disability, or any other protected characteristic. At AXA XL, we know that an inclusive culture and enables business growth and is critical to our success. That’s why we have made a strategic commitment to attract, develop, advance and retain the most inclusive workforce possible, and create a culture where everyone can bring their full selves to work and reach their highest potential. It’s about helping one another — and our business — to move forward and succeed.

• Five Business Resource Groups focused on gender, LGBTQ+, ethnicity and origins, disability and inclusion with 20 Chapters around the globe.
• Robust support for Flexible Working Arrangements
• Enhanced family-friendly leave benefits
• Named to the Diversity Best Practices Index
• Signatory to the UK Women in Finance Charter

Learn more at Inclusion & Diversity at AXA XL | AXA XL. AXA XL is an Equal Opportunity Employer.

Total Rewards

AXA XL’s Reward program is designed to take care of what matters most to you, covering the full picture of your health, wellbeing, lifestyle and financial security. It provides competitive compensation and personalized, inclusive benefits that evolve as you do.

We’re committed to rewarding your contribution for the long term, so you can be your best self today and look forward to the future with confidence.

Sustainability

At AXA XL, Sustainability is integral to our business strategy. In an ever-changing world, AXA XL protects what matters most for our clients and communities. We know that sustainability is at the root of a more resilient future.

Our 2023-26 Sustainability strategy, called “Roots of resilience”, focuses on protecting natural ecosystems, addressing climate change, and embedding sustainable practices across our operations.

Our Pillars

• Valuing nature: How we impact nature affects how nature impacts us. Resilient ecosystems - the foundation of a sustainable planet and society – are essential to our future. We’re committed to protecting and restoring nature – from mangrove forests to the bees in our backyard – by increasing biodiversity awareness and inspiring clients and colleagues to put nature at the heart of their plans.
• Addressing climate change: The effects of a changing climate are far-reaching and significant. Unpredictable weather, increasing temperatures, and rising sea levels cause both social inequalities and environmental disruption. We're building a net zero strategy, developing insurance products and services, and mobilizing to advance thought leadership and investment in societal-led solutions.
• Integrating ESG: All companies have a role to play in building a more resilient future. Incorporating ESG considerations into our internal processes and practices builds resilience from the roots of our business. We’re training our colleagues, engaging our external partners, and evolving our sustainability governance and reporting.
• AXA Hearts in Action: We have established volunteering and charitable giving programs to help colleagues support causes that matter most to them, known as AXA XL’s “Hearts in Action” programs. These include our Matching Gifts program, Volunteering Leave, and our annual volunteering day – the Global Day of Giving.

The U.S. base salary range for this position is USD 119,500-199,100.

Actual pay will be determined based upon the individual’s skills, experience and location. We strive for market alignment and internal equity with our colleagues’ pay.

At AXA XL, we know how important physical, mental, and financial health are to our employees, which is why we are proud to offer benefits such as a competitive retirement savings plan, health and wellness programs, and many other benefits. We also believe in fostering our colleagues' development and offer a wide range of learning opportunities for colleagues to hone their professional skills and to position themselves for the next step of their careers. For more details about AXA XL’s benefits offerings, please visit US Benefits at a Glance 2026.