Senior Underwriter, Product Technical Specialist

SageSure Insurance Managers LLC; Houston (TX); On-site; USD 120,000 - 180,000; Full time

Job summary

SageSure Insurance Managers LLC is seeking a Senior Underwriter, Product Technical Specialist to drive underwriting excellence in catastrophe-exposed property lines. You will collaborate with actuaries, risk analysts, and product teams to model rates, rules, and product changes.

You will be a subject-matter expert, guiding complex underwriting decisions while ensuring compliance with carrier guidelines and regulatory requirements.

Qualifications

• Minimum 10–15 years underwriting experience in personal lines.
• Strong analytical and data interpretation skills.
• Excellent verbal and written communication with all partners.
• Able to work independently in dynamic environments and leverage technology for efficiency.
• Knowledge of regulatory changes and underwriting guidelines.

Responsibilities

• Develop new products and rate/rule changes with cross-functional teams.
• Serve as SME on Specialty Property underwriting and guidelines.
• Adhere to underwriting policies to minimize risk exposure.
• Manage underwriting actions and referrals using internal/external sources.
• Provide guidance on complex rule, form, and procedural questions.
• Collaborate on projects, workflows, and workload management.
• Coordinate with Compliance on regulatory filings and emergency orders.
• Engage with wholesalers, agents, and insureds to ensure data quality.

Skills

Data analysis

Underwriting expertise

Communication

Independent work

Regulatory knowledge

Collaboration

Education

Bachelor’s degree

CPCU designation

Tools

Microsoft Office Suite

Visio

Tableau

PowerBI

SharePoint

Teams

Job description

Overview:

If you're looking for the stability of a profitable, growing company with the entrepreneurial spirit of a startup, we’re hiring. SageSure, a leader in catastrophe-exposed property insurance, is seeking a Senior Underwriter, Product Technical Specialist.

What you’d be doing:

• Work within Specialty Property, a cross-functional team of actuaries, catastrophe risk modelers, risk analysts, product analysts, data scientists, database and software developers in developing new products and determining rate and rule changes.
• Subject Matter Expert on Specialty Property products demonstrating technical underwriting skills and keeping abreast of products, guidelines, trends, and state regulatory changes.
• Ensure adherence to carrier underwriting guidelines, policies, and procedures to minimize risk exposure.
• Act as an authoritative source for day-to-day underwriting activities and ensuring timely underwriting actions using internal and external sources including:
• Underwriting referrals
• Ensuring insurance to value
• Ordering, reviewing and managing inspections
• Reviewing and summarizing content of claim files for claim coverage, recissions, prior claim & litigation disputes, and adverse risk conditions
• Providing guidance to operational departments in resolving complex rule, form, and procedural questions
• Collaborate with other Senior Underwriters and Underwriters on projects, workflows, procedures, and workload management.
• Work with Compliance on responses to DOI complaints, interpretation of statutory requirements, data calls, and implementation of state emergency orders and other regulatory changes.
• Interact with Wholesalers, Retail Agents, Territory Sales Managers, Customer Care Representatives to maintain a high level of service with a focus on underwriting acumen, data quality and accuracy, and ease of doing business.
• Communicate with wholesalers, retail agents, and individual insureds as necessary to assure high quality of data including underwriting exception risks, analyzing and interpreting coverage, explaining underwriting requirements and philosophies. Will communicate directly with policyholders to answer questions or present information.
• Work with the Departments of Insurance through Regulatory Compliance on regulatory filings and responses for admitted products.
• Collaborate with Software and Enterprise Solutions Teams to document detailed business requirements for underwriting related projects for new products, system changes and enhancements.
• Create, perform, and validate system testing plans and communicate results.
• Communicate underwriting and product related system changes in a timely manner to affected departments.
• Identify trends from daily underwriting activities as well as inefficiencies in workflows and opportunities for improvement.
• Participate in special projects as required.

We’re looking for someone who has:

• Minimum 10-15 years underwriting experience in personal lines.
• Solid analytical skills and demonstrated ability to interpret and analyze data.
• Exceptional verbal and written communication, and can effectively interact with all levels of internal and external business partners.
• Thrives in dynamic, fast-moving environments, operates effectively with minimal supervision, and leverages technology to drive efficiency.
• Demonstrates adaptability and resourcefulness in dynamic settings, leveraging innovative tools and methods to streamline processes and optimize workflows.
• Experienced in independently managing responsibilities while maintaining a focus on achieving organizational objectives efficiently.
• Demonstrates a strong work ethic and the ability to excel both independently and collaboratively within a team environment.
• Expertise with Microsoft’s suite of products, including Teams, SharePoint, Loop and experience with other insurance software.
• Familiarity with tools for business process modeling (such as Visio), reporting (Tableau, PowerBI) is a plus.

Highly preferred candidates also have:

• Bachelor’s degree, CPCU, or related professional Insurance Institute designations
• Solid background in personal lines, including insurance data analysis, and underwriting
• Experience with both admitted and surplus lines insurance is highly desirable
• Experience working directly with customers and insurance producers and agents
• Experience working with insurance software, internet email and MS Office Suite

About SageSure:

Named among the Best Places to Work in Insurance by Business Insurance for four years in a row (2020-2023), SageSure is one of the largest managing general underwriters (MGU) focused on catastrophe-exposed property in the US. Since its founding in 2009, SageSure has experienced exceptional growth while generating underwriting profits for carrier partners through hurricanes, wildfires, and hail. Available in 16 states, SageSure offers more than 110 home, flood, and commercial products on behalf of its highly rated carrier partners. Today, SageSure manages more than $3.2 billion of inforce premium and helps protect more than 970,000 policyholders.

We have more than 1,000employees in a distributed workforce environment across 12 offices—Fairfield, CA; Mountain View, CA; Cheshire, CT; Jacksonville, FL; Tallahassee, FL; Tampa, FL; Chicago, IL; Jersey City, NJ; Marlton, NJ; Cincinnati, OH; Houston, TX; Sheboygan, WI—who are tackling the industry’s toughest challenges.

SageSure is a proud Equal Opportunity Employer committed to building a workforce that reflects the spectrum of perspectives, experiences, and abilities of the world we live in. We recognize that our differences make us strong, and we actively seek out diverse candidates through partnerships with organizations, institutions and communities that represent various backgrounds. We champion belonging and inclusion for all identities, including, but not limited to, race, ethnicity, religion, sexual orientation, age, veteran status, ability status, gender, and country of origin, striving to create a culture where all individuals feel valued, respected, and empowered to bring their authentic selves to work.

Our nimble, highly responsive culture nurtures critical thinkers who run toward problems and engineer solutions. We relentlessly pursue better outcomes by investing in the technology, talent, and tools that position us to succeed in demanding markets.

California Applicants: View SageSure’s Workforce Members’ Privacy Notice - CA Privacy Policy & Notice of Collection