Senior Underwriter, Primary Casualty - Large Commercial

AXA XL; San Francisco (CA); On-site; USD 126,000 - 209,000; Full time

Job summary

AXA XL in the US West Zone seeks a Senior Underwriter – Primary Casualty to join the team in Los Angeles and San Francisco. You will deliver profitable underwriting services to clients, manage new and renewal business, and collaborate with actuarial, claims, legal and risk engineering colleagues.

You’ll build strong broker and client relationships, adhere to guidelines, and contribute to regional underwriting plans.

Qualifications

• Progressive underwriting experience in commercial insurance.
• Experience with umbrella and excess casualty.
• Strong knowledge of commercial coverages and contracts.
• Experience collaborating with actuarial teams.
• Excellent communication and time-management skills.

Responsibilities

• Handle new and renewal business in the West Region.
• Analyze submissions, policy wording, inspection reports, loss runs, and financial data.
• Use underwriting tools to assess complex casualty exposure.
• Adhere to guidelines and authority levels; escalate as needed.
• Collaborate with actuarial, claims, legal, and risk engineering colleagues.

Skills

Underwriting experience

Umbrella & excess casualty

Commercial insurance

Client relationships

Time management

Education

Bachelor's Degree or equivalent experience

Job description

AXA XL is an Equal Opportunity Employer.

Senior Underwriter– Primary Casualty

Los Angeles, CA, San Francisco, CA

U.S. Risk Management has an exciting opportunity to join the West Zone underwriting team.

AXA XL provides customized risk management programs for major businesses and institutions operating in the U.S. Underwriters have deep expertise and broad authority for quick execution. Your focus is to establish robust relationships internally and externally and to act as the critical interface between our brokers, clients and the company. You are expected to continuously contribute towards improving our current working and underwriting practices.

As a Senior Underwriter, you will be responsible for delivering a profitable ‘Underwriting’ service to your clients. You’ll be joining an established team of underwriters as part of AXA XL’s West Zone.

You will report to the Head of West, Primary Casualty.

What You’ll Be Doing

The candidate will handle both new and renewal business in the West Region. This includes:

• Market and solicit new business opportunities from retail broker partners.
• Analyze submission data including applications, policy wording, inspection reports, loss runs, and financial reports while conducting appropriate research to determine degree of risk for each account.
• Utilize underwriting tools including exposure, experience and industry ratings to analyze complex casualty exposure.
• Adhere to underwriting guidelines, underwriting authorities and referral requirements as needed to regional management, product management and chief underwriting officers.
• Collaborate with internal colleagues in the assessment of current and prospective risks, including actuarial, claims, legal and risk engineering.
• Pro-active service of business in conjunction with our Middle Office to ensure timely and accurate delivery of quotations, binders, policies and endorsements.
• Cross-sell with other business units including excess casualty, property and other professional lines to maximize deployment of AXA XL’s capital.
• Monitor trends within the Marketplace to ensure we stay aware and ahead of emerging issues.
• Contribute to regional planning through the development and execution of your own annual desk-level underwriting plan.
• Travel throughout the territory (20%) for client, broker and internal meetings.

What You Will BRING

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

• Effective relationships within National and Regional brokerages in the assigned territory.
• Some years of progressive underwriting experience, including umbrella & excess casualty.
• Thorough knowledge of commercial insurance coverages and contracts.
• Experience working hands‑on with actuarial colleagues.
• Effective project and time‑management skills.
• Effective sales, marketing and negotiation skills.
• Excellent written and oral communication skills.
• Bachelor’s Degree or equivalent experience.

FIND your future

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.

How? 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

Inclusion & Diversity

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 a diverse workforce enable business growth and are critical to our success. That’s why we have made a strategic commitment to attract, develop, advance and retain the most diverse workforce possible, and create an inclusive culture where everyone can bring their full selves to work and can 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 axaxl.com/about-us/inclusion-and-diversity. AXA XL is an Equal Opportunity Employer.

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.

For more information, please see Sustainability at AXA XL.

Applicants for this role must be legally authorized to work in the United States without sponsorship now or in the future.

The U.S. base salary range for this position is USD $125,500-$209,100.

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.