Small Business Underwriter

HCC Service Company, Inc.; Sacramento (CA); Hybrid; USD 70,000 - 105,000; Full time

Benefits offered by this job

Competitive salary

Career development

Growth opportunities

Medical/vision/dental

Life and disability insurance

401(k) with match

PTO and holidays

Parental leave

Wellness program

Student loan matching

Employee discount

Meaningful work

Job summary

Tokio Marine HCC – A&H Group in Sacramento is seeking a Small Business Underwriter (Artisan) to assess applications, establish pricing, and build broker relationships. The role carries underwriting authority and a focus on liability lines, with a hybrid work arrangement and full-time employment.

You bring a bachelor’s degree and 2+ years of underwriting experience in specialty lines, plus strong communication and MS Office skills.

Qualifications

• 4 year / bachelor’s degree in business administration, Accounting, Finance, a related field, or the equivalent education and/or experience.
• 2+ Years relevant underwriting experience in specialty or related area that includes a working knowledge of state laws.
• Possess and have ability to apply knowledge of principles, practices, and procedures
• Solid written and verbal communication skills with an emphasis on confidentiality, tact, and diplomacy
• Advanced organizational and analytical skills; demonstrated ability to manage multiple tasks simultaneously
• Knowledge of industry changes, legal updates, and technical developments related to applicable area of the Company’s business to proactively respond to changing business environment
• Intermediate proficiency and experience using Microsoft Office package (Excel, Access, PowerPoint, Word)

Responsibilities

• 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.
• 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.
• Approve or deny within given authority or recommend approval or denial to higher authority.
• Cultivate relationships with internal and external contacts to facilitate the underwriting process, promote business development, and to remain abreast of industry trends.
• Serve as a resource to other departmental staff with regard to underwriting procedures and other departmental guidelines.
• Develop understanding of various factors that affect and influence policy rating and risk.

Skills

Underwriting experience

Communication skills

Organizational skills

Microsoft Office

Education

Bachelor’s degree in business, accounting, or finance

Tools

Microsoft Office

Job description

Job Title: Small Business Underwriter (Artisan) Location: Sacramento, California Work Schedule: Hybrid (3/2) Employment Type: Full time Requisition Begin Date: 10/06/2026

Help us insure it Tokio Marine HCC is a global industry-leading specialty insurance group, backed by the strength and stability of the Tokio Marine Group. Offering over 100 classes of specialty insurance, we empower clients to pursue opportunities confidently through our “Mind Over Risk” philosophy. More than an insurance company, we are an organization built on innovation, unity, and trust. At our core, we are Always Advancing, driven by innovation and an entrepreneurial spirit that keeps us moving forward. Our people are Experts in Tomorrow, using curiosity and smart working to anticipate what’s next. With a culture rooted in Reaching Out, we foster genuine collaboration and support, ensuring every individual has the opportunity to succeed and make a difference.

Role Overview

Under supervision, reviews insurance applications to evaluate, classify, and rate each risk to determine acceptability, coverage, and pricing. Establishes, maintains, and develops agency and/or broker relationships. Position has defined underwriting authority and business development responsibility. Provides underwriting in single or multiple areas of liability. Performs industry-related research related to forms, rates, and legal climate and provides recommendations to underwriters and management as necessary.

Key Responsibilities

• 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.
• 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.
• Approve or deny within given authority or recommend approval or denial to higher authority.
• Cultivate relationships with internal and external contacts to facilitate the underwriting process, promote business development, and to remain abreast of industry trends.
• Serve as a resource to other departmental staff with regard to underwriting procedures and other departmental guidelines.
• Develop understanding of various factors that affect and influence policy rating and risk.

What You Bring

• 4 Year / bachelor’s degree in business administration, Accounting, Finance, a related field, or the equivalent education and/or experience
• 2+ Years relevant and progressive underwriting experience in specialty or related area that includes a working knowledge of state laws
• Possess and have ability to apply knowledge of principles, practices, and procedures
• Solid written and verbal communication skills with an emphasis on confidentiality, tact, and diplomacy
• Advanced organizational and analytical skills; demonstrated ability to manage multiple tasks simultaneously
• Knowledge of industry changes, legal updates, and technical developments related to applicable area of the Company’s business to proactively respond to changing business environment
• Intermediate proficiency and experience using Microsoft Office package (Excel, Access, PowerPoint, Word)

Preferred Skills:

• 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
• State specific insurance license depending on specialty area

Additional Working Conditions and Physical Demands

• Overtime hours may be required to fulfill job responsibilities
• May be required to remain stationary for extended periods of time
• May be required to move up to 10 pounds
• Must be able to operate a computer and other devices
• Close vision and ability to adjust focus, such as required to read a computer screen

What we offer

• Competitive salary and comprehensive benefits package
• Strong learning culture with ongoing development opportunities
• Opportunities for growth and career advancement
• Comprehensive medical, vision, and dental coverage, with eligibility beginning on your first day of employment
• Basic life and disability insurance
• 401(k) plan with 6% company match
• 20 days of PTO, two floating holidays, approximately 11 paid holidays, and volunteer time off
• Paid parental leave
• Access to our award-winning wellness program, including mental health services, fitness network membership, and a complimentary Headspace subscription
• Student loan matching program
• Employee discount program
• An opportunity to do meaningful work and love what you do

Pay Transparency

The pay range for this position is $69,700-$104,500, which includes geographic adjustments, where applicable. The pay range is the range TMHCC, 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. The Company is fully committed to ensuring equal pay opportunities for equal work regardless of color, race, sex, national origin, sexual orientation, religion, age, veteran status, disability, pregnancy, citizenship status, genetic information, or any other basis protected by federal, state, or local pay equity laws.

Disclaimer

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.

About us

Tokio Marine HCC is a leading specialty insurance group with offices in the United States, the United Kingdom, Europe, and other exciting locations. With the strength and stability that comes from being a member of the Tokio Marine Group, and more than fifty years of growth, profitability, and stability, we offer important insurance products that most people don’t even know exist. Every policy we write is special, enabling our clients to do amazing things. From insuring the crops that feed us to the rock concerts that entertain us, to rescuing international travelers in trouble, we offer more than 100 classes of specialty insurance. Applying our Mind Over Risk philosophy to writing insurance allows our customers to take on opportunity with confidence. That philosophy defines our way of thinking, unites us as a team and differentiates us from our competitors. We are much more than just an insurance company; we are a Good Company.

Equal Opportunity Employer

TMHCC is an equal opportunity employer. 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. #LI-KM1 Your success is our priority. In a world that is rapidly changing, TMHCC enables you to take on opportunities with confidence. At Tokio Marine HCC, we pride ourselves on hiring the smartest, most conscientious people, who want to make a difference no matter their background. And then we give them the support and trust they need. We’re always looking for curious, creative transformative thinkers who want to change the status quo and have a passion for doing the right thing. If this is you, then we want you on our team.