Sr. Underwriter Personal Lines E&S Homeowners

4001US00 DUAL North America Inc; California (MO); Hybrid; USD 120,000 - 150,000; Full time

Benefits offered by this job

Unlimited PTO

401k with company match

Paid volunteer days

Medical, dental, vision benefits

Job summary

4001US00 DUAL North America Inc is seeking a Senior Underwriter for the E&S Homeowners division in California. This role involves assessing risk, maintaining relationships, and driving profitability.

The ideal candidate will have over 7 years of underwriting experience, particularly in California. The position offers a competitive salary between $120,000 and $150,000, along with benefits including medical, dental, vision, unlimited PTO, and a 401k plan.

Qualifications

• 7+ years of relevant underwriting experience in California and western states.
• Prior non-admitted underwriting experience preferred.
• High level understanding of technical underwriting principles and risk assessment.

Responsibilities

• Assess risk, allocate rate, and drive profitability growth.
• Develop and maintain agency relationships through visits and calls.
• Support onboarding of new agents and train on underwriting guidelines.

Skills

Analytical skills

Negotiation skills

Decision-making skills

Broker/client engagement

Attention to detail

Team collaboration

Education

Bachelor’s degree in Business

Tools

Microsoft Office Suite

Job description

Role Overview

DUAL North America is seeking a Senior Underwriter for the E&S Homeowners division. The Senior Underwriter plays a vital role in executing company strategies and producing high volume profitable risks while developing and maintaining agency relationships. This role reports to the VP Underwriting, E&S Homeowners and includes a salary range of $120,000.00–$150,000.00 with travel expectations of 20–30%.

Responsibilities

• Responsible for assessing risk, allocating rate, applying appropriate terms, and driving profitability growth in line with DUAL strategy.
• Emphasize production growth and retention to meet or exceed established goals.
• Perform independently using appropriate underwriting tools, rules, underwriting guidelines, and regulatory insurance laws within the assigned Level of Authority.
• Review inspections in a timely manner and identify all hazards with recommendations on how to correct or mitigate adverse conditions.
• Develop and maintain agency relationships through in‑person visits, phone interactions, and virtual meetings in collaboration with the Distribution team.
• Provide guidance, knowledge, and development of other team members.
• Complete tasks efficiently and proactively while maintaining work and life balance.
• Maintain a strong awareness of those aspects of the insurance industry that directly bear on key responsibilities and accountabilities.
• Maintain superior business relations with internal and external parties.
• Perform assigned projects and portfolio reviews.
• Maintain carrier compliance and adhere to binding authority agreements.
• Establish and maintain strong relationships with key retail and wholesale agency partners, serving as the underwriting resource.
• Drive agency performance through clear appetite communication, production targets, and portfolio stewardship discussions.
• Support onboarding of new agents, including training on underwriting guidelines, product positioning, and submission expectations.

Qualifications

• Bachelor’s degree in Business preferred.
• 7+ years of relevant underwriting experience in California and western states.
• Prior non‑admitted underwriting experience preferred.
• High level understanding of technical underwriting principles and risk assessment.
• Strong analytical, negotiation, and decision‑making skills.
• High level broker/client engagement and 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.
• Ability to emphasize prioritization with desk management and production goals.
• Must work well in a team environment; collaboration and teamwork are at the core of the organization.
• Ability to travel 20–30% as required for client meetings, conferences, or industry events.
• Must remain in a stationary position approximately 50% of the time, with occasional movement throughout the office to access files and equipment.

Benefits

Yes, we offer all the usual rewards and benefits – including medical, dental, vision, a wide variety of wellbeing offers, competitive salary, unlimited PTO, 401k with company match, paid volunteer days and more.

EEO Statement

We consider our people our chief competitive advantage and as such we treat colleagues, candidates, clients, and business partners with equality, fairness, and respect. DUAL North America provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state, or local laws. This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation, and training. DUAL will ensure that individuals with disabilities are provided reasonable accommodation to participate in the job application or interview process, to perform essential job functions, and to receive other benefits and privileges of employment.