Sr. Underwriter, Personal Lines E&S Homeowners

DUAL North America; San Diego (CA); On-site; USD 110,000 - 130,000; Full time

Job summary

DUAL North America is seeking a Senior Underwriter for the E&S Homeowners division in California. The role focuses on underwriting complex risks within authority, developing agency partnerships with the Distribution team, and ensuring profitability across the portfolio.

You will uphold underwriting guidelines, serve as a resource for agents, and drive performance against underwriting goals. Travel 20-30% for client meetings and industry events, while maintaining balance and efficiency in daily

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.
• High level broker/client engagement and relationships.

Responsibilities

• Assess risk, allocate rate, apply terms and drive profitability in line with DUAL strategy.
• Emphasize production growth and retention to meet goals.
• Underwrite complex risks within authority using guidelines and laws.
• Review inspections promptly and mitigate hazards.
• Develop agency relationships through visits, calls, and virtual meetings.
• Provide guidance and development to other team members.
• Maintain strong internal and external business relationships.
• Participate in portfolio reviews and ensure carrier compliance.

Skills

Underwriting principles

Risk assessment

Analytical skills

Negotiation

Decision making

Broker/client engagement

Teamwork

Education

Bachelor’s degree in Business

Tools

Microsoft Office Suite

Job description

• Reports to: VP Underwriting, E&S Homeowners
• Travel: 20-30%
• Salary Range: $110,000.00-$130,000.00

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