Senior Underwriting Officer, Construction

Liberty Mutual Insurance; Philadelphia (Philadelphia County); On-site; USD 140,000 - 190,000; Full time

Job summary

Liberty Mutual is seeking an experienced Large Construction underwriter to deliver expert technical underwriting across auto, GL, and workers' compensation for major construction portfolios. You will partner with field underwriters and UW managers on referrals and key decisions, shaping portfolio strategies and performance.

The role emphasizes collaboration with leadership, exposure analysis, and the development of product and service enhancements within a supportive, high-stakes environment.

Qualifications

• Expert knowledge of coverage forms, exclusions, and exposure.
• Advanced knowledge across Construction programs and related operations.
• Strong collaboration, communication, and problem-solving skills.
• 10+ years of underwriting experience in related domains.

Responsibilities

• Provides expert technical underwriting assistance and referrals across lines for Large Construction.
• Ensures continuity between Primary Casualty and Excess placements; advises on exposure and pricing.
• Monitors decision frameworks and identifies performance drivers, risks, and opportunities.
• Drives underwriting excellence and coordinates product/service enhancements with leaders.
• Collaborates with UW Support, Claims, Actuarial, and product teams.

Skills

Coverage forms & exposure

Underwriting leadership

Collaboration & negotiation

Pricing & loss forecasting

Risk assessment & decision making

Education

Bachelor's degree or higher

Job description

Description

This role works with the largest and most complex Construction risks to deliver Primary Casualty (WC, GL, Auto) for annual practice and wrap‑up programs to these highly valued customers and prospects. This specific role will focus on our Large Construction portfolio, which serves many of the largest contractors in the U.S. This role will work with the leadership team, deliver technical expertise, and serve as a point of contact for the frontline underwriting teams on all questions, key decisions, or referrals. The role will also be involved in developing and implementing portfolio strategies to maintain and improve performance.

Job Responsibilities

• Provides expert technical underwriting assistance and formal referral approval for multiple lines of business (auto, general liability, workers' compensation, and lead/excess) in Large Construction. Interacts independently with field underwriters and directly with UW managers on all mandatory referral cases and voluntary consultation items.
• Ensures continuity and alignment between Primary Casualty and Excess (as applicable) placements. Supports leadership on transactions and serves as a trusted advisor on exposure, coverage analysis, and key pricing/financial elements within their authority.
• Monitors frameworks for underwriting decisions (e.g., referrals, technical reviews) and recommends improvements, as needed. Evaluates portfolio performance regularly in Large Construction, working with Underwriting Leaders to identify drivers of performance, risks, and opportunities.
• Drives UW technical excellence across Large Construction, working with Underwriting Leaders to identify and resolve issues.
• Works with underwriting leaders to identify product and service enhancements and underwriter capability development opportunities (e.g., skills, tools) and coordinates improvements/resources.
• Models effective collaboration within/across teams, stakeholders and partners (e.g., UW Support, Claims, Actuarial, NA Product Teams).

Qualifications

• Expert-level knowledge of all aspects of coverage forms, exclusions, and exposure.
• Pricing, structure, rating, rating plans, loss forecasting, credit risk, market knowledge, preferred.
• Advanced knowledge of and experience operating within several different industry segments – experience with and knowledge of Construction programs key; insurance operations; claims, finance and actuarial concepts; regulatory environment; loss control/risk engineering; reinsurance; account management; product development; and industry trends.
• Must be a skilled collaborator who is willing to assess all sides of an issue, bring in others with expertise, and independently execute and advance the collaboration model.
• Other professional skills required include: superior communication skills (written, verbal, presentation, listening); approachability; tact; coaching/development; analyzing and problem solving; relationship and service driven; clear solutions orientation and commitment to achieving segment operational and financial objectives; negotiation skills; and demonstrated ability to consistently and positively influence others both internally and externally (brokers/customers) as required.
• As normally acquired through a related bachelor's degree, 10 or more years of relevant experience that includes underwriting, claims, reinsurance, coaching/developing others, working with brokers/agents and current with market trends and developments.

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.

About Us

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