Senior Underwriter, Middle Market Technology

Liberty Mutual Insurance; Walnut Creek (CA); On-site; USD 110,000 - 150,000; Full time

Job summary

Liberty Mutual Insurance is seeking a Senior Underwriter to evaluate and underwrite Middle Market technology accounts from Walnut Creek, CA. You will apply data-driven risk selection, pricing, and terms with limited leadership guidance while leveraging tech-sector knowledge.

You will mentor junior underwriters and collaborate with UW Support, Claims, Actuarial, Risk Engineering, Product, Distribution, and leadership across North America.

Qualifications

• Understands complex technology-sector risks and underwriting processes.
• Demonstrates ability to analyze financials, loss history, and exposure data.
• Develops profitable and balanced risk selections within authority.

Responsibilities

• Underwrites Middle Market technology accounts within authority.
• Evaluates exposures across software, cloud, data centers, and services.
• Manages brokers/clients, identifying new business opportunities.
• Analyzes financials, exposure data, loss history, and risk controls.
• Monitors portfolio performance and pricing adequacy; supports growth.

Skills

Analytical ability

Risk assessment

Market relationships

Education

Bachelor's degree in Business or equivalent

CPCU or professional designation preferred

Job description

Description

The Senior Underwriter evaluates and underwrites Middle Market technology accounts within established authority, applying sound judgment and available financial, operational, exposure, industry, and claims information to make data-driven decisions on risk selection, coverage, terms, conditions, and pricing, with limited guidance from leadership as needed. Applies knowledge of the technology sector and Middle Market insurance products to assess exposures such as software and technology services, cloud computing, data centers, technology consulting, telecommunications, cyber-related dependencies, intellectual property, professional services, products liability, and other relevant operational risks. Exercises sound underwriting judgment while balancing growth, profitability, customer needs, and Liberty Mutual's risk appetite.

• Underwrites Middle Market technology accounts within established authority, making analytical, data-driven decisions on risk selection, coverage, terms, conditions, and pricing with limited guidance from leadership.
• Evaluates technology-sector exposures, including software and technology services, cloud computing, data centers, telecommunications, technology consulting, intellectual property, professional services, and other complex or unusual risks.
• Manages a portfolio of brokers, agents, and clients by developing strong market relationships, identifying new business opportunities, and representing Liberty Mutual in the marketplace.
• Underwrites new business, renewals, and account changes by analyzing financials, exposure data, loss history, risk controls, valuations, and evolving technology-related dependencies.
• Monitors portfolio performance, pricing adequacy, emerging exposures, regulatory developments, and loss trends; recommends actions to support profitable growth and portfolio quality.
• Contributes to product development, process and tool improvements, and department initiatives while collaborating with UW Support, Claims, Actuarial, Risk Engineering, Product, Distribution, and GRS North America underwriting leaders.
• Mentors junior underwriters and new hires by sharing expertise in technology risks, underwriting practices, systems, and market dynamics; this role has no direct people-management responsibility.

Qualifications

• Degree in Business or equivalent typically required
• A minimum of 2.5 years, typically 3 or more years, of progressive underwriting experience and/or other related experience
• CPCU or professional insurance designation preferred
• Proven analytical ability to evaluate and judge underwriting risks within scope of responsibility that includes competence with all phases and aspects of the underwriting process, and proficiency in the use of qualitative and quantitative tools and techniques
• Must demonstrate comprehension of complex technical underwriting issues and be capable of defining and implementing necessary underwriting and administrative processes/workflows to properly manage or administer those issues
• Proven track record of developing and underwriting profitable business

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, sexual orientation, gender identity, religion, age, disability, veteran's status, pregnancy, genetic information or on any basis prohibited by federal, state or local law.

Fair Chance Notices

• California
• Los Angeles Incorporated
• Los Angeles Unincorporated
• Philadelphia
• San Francisco