Sr. Underwriter E&S Property

DUAL North America, Inc.; Chicago (IL); Hybrid; USD 110,000 - 160,000; Full time

Job summary

DUAL North America, Inc. is seeking a Senior Underwriter for the E&S Property Division in a hybrid role with travel up to 25%. You will shape underwriting framework, evaluate complex submissions, and balance risk, coverage, and profitability.

You will lead with a team of underwriters, handling non-admitted markets, complex placements, and portfolio growth while mentoring others and ensuring profitable results. Strong broker relationships and industry knowledge are essential.

Qualifications

• Bachelor's degree in risk management, finance, business or related field.
• 5–8 years of underwriting experience.
• Professional certifications such as CPCU, AU or similar preferred.
• Strong understanding of technical underwriting principles.

Responsibilities

• Underwrite complex insurance risks within granted authority and assess exposure.
• Ensure submissions meet underwriting standards and profitability.
• Curate a portfolio with guidance but more discretion than a typical underwriter.
• Identify changes in risk exposures and loss trends to maximize profitability.
• Collaborate with the team to meet production goals and renewal targets.
• Mentor colleagues and provide technical guidance as needed.
• Travel up to 25% for client meetings and industry events.
• Negotiate with producers to achieve profit objectives.

Skills

Strong analytical skills

Negotiation skills

Decision-making

Broker/client relationship management

Education

Bachelor's degree in risk management, finance, business, or related field

CPCU or AU professional certification

Tools

Microsoft Office Suite

Job description

• Reports to: AVP Underwriting, E&S Property or above
• Travel: Up to 25% or more
• Location: Atlanta, GA, Chicago, IL, New York, NY, Hybrid

Role overview

DUAL North America is seeking a Senior Underwriter for the E&S Property Division.

At DUAL, Sr. Underwriters play a key role in shaping the underwriting framework, managing a portfolio of complex risks, and expanding broker relationships. In this role, you will provide technical expertise to evaluate insurance submissions, balancing risk exposure, coverage needs, and profitability.

Leading and collaborating with a team of Underwriters in the E&S Property division, you will evaluate unique and non-admitted market risks, lead underwriting on complex placements, and influence product strategy. Your underwriting judgment will drive profitable portfolio expansion.

Role responsibilities

• Underwrite complex insurance risks within granted level of authorities by identifying and analyzing risk exposures, loss frequency and severity against desired coverage
• Ensure submissions meet underwriting standards for the program and are profitable
• Curate a portfolio of business in accordance with Underwriting Guidelines and prescribed pricing tools, but has more discretion in curating the portfolio than an underwriter
• Identify changes in account/ market risk exposures and loss trends to maximize profitability
• Work with Manager to define and execute team production goals
• Review referrals from Underwriters and Associate Underwriters
• Provides technical guidance, coaching, and mentoring to others on the team and within the company; may formally manage 1-2 direct reports but is not required
• Execute on annual new and renewal business goals by achieving agreed premium income and hitting quote numbers with desired hit ratios and retentions
• Foster relationships with key producers by traveling to connect and attend events/meetings as needed
• Gather and compile information required to quote and/or bind an account
• Demonstrate advanced understanding of technical underwriting principles and risk underwriting characteristics in their line of business which could include key components of risk factors and how these progress over time, understanding basic exclusions and understanding more nuanced risks as well; may begin expanding knowledge of other lines of business as well
• Keep up to date on market dynamics, competitive landscape, and product differences - communicate market intelligence to the broader group
• Negotiate with producers within the limits of delegated authority and in accordance with established underwriting standards to achieve profit objectives
• Underwriting Authority: Has Underwriting authority as outlined in LOA

Key requirements

• Bachelor's degree in risk management, finance, business, or a related field preferred
• 5-8 years of relevant underwriting experience
• Professional certifications such as CPCU, AU, or similar designations preferred
• In-depth understanding of technical underwriting principles and risk assessment
• Strong analytical, negotiation, and decision-making skills
• Proven ability to manage and build broker and client relationships
• Proficiency in Microsoft Office Suite (Word, Excel, Outlook, PowerPoint)
• Demonstrated ability to handle complex risks with sound judgment
• Highly self-motivated with strong attention to detail
• Must be able to remain in a stationary position approximately 50% of the time, with occasional movement throughout the office to access files and equipment
• Ability to travel up to 25% as required for client meetings, conferences, or industry events
• If you do not meet all the qualifications for this role, we still encourage you to apply, as we are always looking for diverse talent to join our growing team.