Sr. Underwriter Personal Lines E&S Homeowners

4001US00 DUAL North America Inc; San Diego (CA); Hybrid; USD 110,000 - 130,000; Full time

Benefits offered by this job

Medical

Dental

Vision

Wellbeing programs

Competitive salary

Unlimited PTO

401k match

Volunteer days

Job summary

DUAL North America, Inc. is seeking a Senior Underwriter for the E&S Homeowners division in San Diego. The role is hybrid and involves underwriting complex risks within authority and cultivating agency partnerships for profitability.

You will assess risk, apply terms, and guide producers while collaborating with the Distribution team to meet underwriting goals and market demands.

Qualifications

• 7+ years of underwriting experience in California and western states.
• High level understanding of technical underwriting principles and risk assessment.
• Strong analytical, negotiation, and decision-making skills.

Responsibilities

• Assess risk, allocate rate, apply terms, and drive profitability in line with DUAL strategy.
• Emphasize production growth and retention to meet or exceed goals.
• Review inspections and identify hazards with mitigation recommendations.
• Develop and maintain agency relationships through in-person and virtual meetings.
• Provide guidance and training to other team members.
• Manage portfolio profitability and ensure compliance with authority and regulations.

Skills

Underwriting

Analytical skills

Negotiation

Decision making

Broker engagement

MS Office

Education

Bachelor’s in Business

Job description

At DUAL North America, our core values dictate how we live and work. We are a group with independence and people at its heart and we are a home for talent with a unique culture: the biggest small company in the world. The focus on being a People First business has always been at the very heart of the Group; Our vision was to create an independent business with a unique culture and one that would survive and thrive as a business controlled by the people working for it. And finding the most talented and entrepreneurial people to join the Group has been and will continue to be key. DUAL North America, Inc. is seeking a Sr. Underwriter Personal Lines E&S Homeowners Classification: Exempt/Full-Time Reports to: VP Underwriting, E&S Homeowners Travel: 20-30% Salary Range: $110,000.00-$130,000.00 Location: San Diego, CA, Hybrid 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. The Senior Underwriter ensures adherence to underwriting guidelines, acts as a point of contact for agents and drives performance against underwriting goals and metrics. As a Senior Underwriter within the E&S Homeowners division, you will underwrite complex risks within authority, cultivate agency partnerships in collaboration with the Distribution team, and manage portfolio profitability.

Role responsibilities

• Responsible for assessing risk, allocate rate, apply appropriate terms, and 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 the adverse condition.
• Develop and maintain agency relationships through in person visits, phone interactions and virtual meetings with the collaboration of the Distribution team.
• Provides guidance, knowledge and development of other team members.
• Complete tasks efficiently and proactively while maintaining work and life balance.
• All round awareness of those aspects of the insurance industry that have a direct bearing on key responsibilities and accountabilities.
• Maintain superior level business relations with internal and external parties.
• Performs 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.

Key requirements

• 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 judgement
• 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 be able to remain in a stationary position approximately 50% of the time, with occasional movement throughout the office to access files and equipment

What we offer

A career that you define.

• medical
• dental
• vision
• a wide variety of wellbeing offers
• competitive salary
• unlimited PTO
• 401k with company match
• paid volunteer days

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.

Company overview

Howden began in 1994, as just three people and a dog. Now there are 23,000 of us, and we're a leading global insurance group, managing $37bn of premiums for our clients. Our largest shareholder group is us – the people who work in the business – supported by three long-term, minority growth-equity partners who share our vision to build a business to last, one that will never be sold. The owner's mindset is something that's embedded in our culture; our people readily take ownership of their decisions, their actions, and their outputs. They’re invested in every sense. And we all know that by working together to drive the business forward, everyone will benefit from the extraordinary results we can achieve.