Senior Underwriter - Technical Risk

Tokio Marine HCC International; Alabama; Remote; USD 94,000 - 164,000; Full time

Benefits offered by this job

Medical insurance

Vision insurance

Dental insurance

Paid time off

Life and disability insurance

Job summary

Tokio Marine HCC is seeking an experienced E&S Construction Underwriter to develop and manage a profitable middle-market book of business. This remote role requires at least 5 years of E&S construction underwriting, with a track record of underwriting larger, complex contractor accounts.

You will work independently, respond promptly to brokers, maintain comprehensive documentation, and follow all underwriting guidelines to drive profitable growth.

Qualifications

• Minimum 5 years underwriting E&S construction business for middle-market accounts.
• Experience underwriting larger, more complex contractor accounts.
• Ability to work independently and build a territory with minimal supervision.
• Knowledge of documentation, underwriting worksheets, and policy files.
• Willingness to pursue professional designations (RPLU, CPCU, AU, CIC).

Responsibilities

• Underwrite new and renewal E&S construction risks, classify and price appropriately.
• Manage a profitable middle-market construction book with minimal supervision.
• Respond promptly to broker inquiries and maintain documentation.
• Adhere to underwriting authority directives and department guidelines.
• Develop understanding of factors affecting policy rating and risk.

Skills

E&S underwriting

Construction underwriting

Middle-market

Account management

Territory development

Independent work

Education

Bachelor's degree

Job description

Job Title: Senior Construction Underwriter-Middle Market Focus Location: Remote

Help us insure it. Tokio Marine HCC is a leading global specialty insurance group, backed by the strength and stability of the Tokio Marine Group. With more than 50 years of sustained growth and profitability, and offices across the United States, the United Kingdom, Europe, and other international locations, we offer more than 100 classes of specialty insurance—covering everything from the crops that feed us and the concerts that entertain us to rescuing travelers abroad.

Guided by our Mind Over Risk philosophy, we empower clients to pursue opportunities with confidence while fostering a culture rooted in innovation, collaboration, and trust. We are seeking an experienced E&S Construction Underwriter to develop and manage a profitable middle-market construction book of business. The ideal candidate brings at least 5 years of E&S construction underwriting experience, with demonstrated success underwriting larger, more complex contractor accounts and managing a meaningful book of business.

Success in this role requires an underwriter who can operate with minimal supervision, make sound underwriting decisions, and take ownership of profitable book growth.

Minimum of 5 years underwriting E&S (Excess & Surplus/non-admitted) construction business.

• Experience underwriting middle-market construction accounts rather than small business/artisan accounts.
• Ability to work independently and build a territory with minimal supervision.
• Should understand and manage larger, more complex accounts.
• Contact and respond to verbal and written inquiries from brokers within designated timeframe to provide appropriate information and serve as an underwriting resource.
• Create and maintain all documentation (physical and electronic) including new and renewal bound files, underwriting worksheets, documentation of phone conversations, and other key documents according to departmental guidelines.
• Adhere to all company underwriting authority directives, underwriting guidelines, and other applicable company policies and procedures.
• Serve as a resource to other departmental staff with regards to underwriting procedures and other departmental guidelines.
• Develop understanding of various factors that affect and influence policy rating and risk.
• 5 years of relevant and progressive middle market contractors E&S professional experience.
• Studies toward attaining a Registered Professional Liability Underwriter (RPLU), Chartered Property Casualty Underwriter (CPCU), Associate in Commercial Underwriting (AU), Certified Insurance Counselor (CIC), or equivalent insurance designation depending on specialty area.

Must have E&S construction underwriting experience.

Evaluate new and renewal policy applications and related documents to classify and assess each risk, determine acceptability, assign rating, indicate endorsements and limits, and determine appropriate pricing.

Planning: Follow work plans, established timelines, and predefined goals for assigned work; Business Controls and Policies: Comply with all corporate policies and procedures; Bachelor's degree or the equivalent education and/or experience.

Travel (if required/needed)

Occasional travel (up to 25% of time). Passport required: No. Competitive salary and comprehensive medical, vision, and dental benefit package, with eligibility beginning on your date of hire

• Basic life and disability insurance
• 20 days of PTO, two floating holidays, approximately 11 paid holidays, and volunteer time off
• All qualified applicants will receive consideration for employment without regard to age, ancestry, citizenship, color, family or medical care leave, gender identity, genetic information, marital status, medical condition, national origin, physical or mental disability, protected veteran or military status, race, ethnicity, religion, sex (including pregnancy), sexual orientation or any other characteristic protected by applicable local laws, regulations, and ordinances.

As an insurance company, we comply with certain federal, state and local laws such as the Violent Crime Control and Law Enforcement Act of 1994 (18 USC § 1033(e)), which restricts our ability to employ individuals with certain types of criminal convictions. Where not restricted by law and for criminal history not covered by this law, the Company will consider qualified applicants with arrest or conviction history in compliance with applicable law.

The pay range for this position is $94,200-$164,300, which includes geographic adjustments, where applicable. The pay range is the range THMCC, in good faith, believes is the range of compensation for this role at the time of this posting. The hired applicant will be offered pay within the entire range based on the candidate’s geographic location, qualifications, work experience, education, and/or skill level. orientation, religion, age, veteran status, disability, pregnancy, citizenship status, genetic information, or any other basis protected by federal, state, or local pay equity laws.