Territory Commercial Lines Underwriter

Berkshire Hathaway GUARD Insurance Companies; Sacramento (CA); Hybrid; USD 60,000 - 125,000; Full time

Benefits offered by this job

Hybrid schedule

Predictable hours

Generous PTO

Medical, dental & vision start day one

401(k) and tuition reimbursement

Job summary

Berkshire Hathaway GUARD Insurance Companies is seeking an experienced Territory Underwriter to manage a designated commercial lines territory across the region. You will evaluate risk, price and renew business, and build strong agency relationships to drive profitable growth.

In this hybrid role, you’ll work with distribution partners and business leaders to execute growth strategies while maintaining high service levels for agents.

Qualifications

• Bachelor’s degree or equivalent combination of education and experience preferred.
• Professional designations such as AU or CPCU preferred.
• Minimum of 5 years of underwriting experience in Property, General Liability, Commercial Auto and Workers Compensation.
• Strong understanding of underwriting practices, risk assessment, and policy structures.
• Familiarity with insurance policy language and coverage forms.
• Solid understanding of working with data to support underwriting decisions.
• Strong time management, organizational, and prioritization skill.
• Clear written and verbal communication skills.
• Ability to collaborate effectively across teams.
• Self-motivated with strong attention to detail and accountability.

Responsibilities

• Evaluate, select, and price new and renewal business within established underwriting authority.
• Manage profitability, retention, and growth within an assigned territory.
• Negotiate terms and conditions to secure profitable business opportunities.
• Partner with Distribution and Line of Business leaders to develop and execute territory growth strategies.
• Build and maintain productive relationships with agency partners.
• Provide responsive service and support to agents while strengthening agency engagement.
• Collaborate with internal teams to identify service improvements and address agency feedback.
• Monitor market trends and competitive activity to identify opportunities and support business planning.
• Travel throughout the territory to meet with agency partners and attend industry events as needed.
• Participate in virtual meetings and maintain regular communication with key stakeholders

Skills

Underwriting

Risk assessment

Data analysis

Communication

Time management

Collaboration

Detail oriented

Accountability

Education

Bachelor’s degree or equivalent

AU or CPCU designation

Job description

Good Things Start Here.

Good things are happening at Berkshire Hathaway GUARD Insurance Companies—an A+ (Superior) rated, nationwide Property & Casualty insurer backed by Berkshire Hathaway. With supportive leadership, collaborative teams, and opportunities to grow, GUARD is a place where people build meaningful, long‑term careers.

Overview

Good Things Start Here.

Good things are happening at Berkshire Hathaway GUARD Insurance Companies—an A+ (Superior) rated, nationwide Property & Casualty insurer backed by Berkshire Hathaway. With supportive leadership, collaborative teams, and opportunities to grow, GUARD is a place where people build meaningful, long‑term careers.

Good Things You Can Count On.

• Hybrid schedule: 2 days remote / 3 in‑office
• Predictable hours (no nights, weekends, or holidays)
• Competitive pay + generous PTO
• Medical, dental & vision starting day one
• 401(k), tuition reimbursement & longevity bonuses

Responsibilities

What You’ll Do

We're looking for an experienced Territory Underwriter to manage and grow a designated commercial lines territory. In this role, you'll evaluate risk, make sound underwriting decisions, build strong agency relationships, and help drive profitable growth across the region. You'll work closely with Distribution partners, business leaders, and agency stakeholders to identify opportunities, support retention efforts, and deliver exceptional service.

How You’ll Make an Impact

• Evaluate, select, and price new and renewal business within established underwriting authority.
• Manage profitability, retention, and growth within an assigned territory.
• Negotiate terms and conditions to secure profitable business opportunities.
• Partner with Distribution and Line of Business leaders to develop and execute territory growth strategies.
• Build and maintain productive relationships with agency partners.
• Provide responsive service and support to agents while strengthening agency engagement.
• Collaborate with internal teams to identify service improvements and address agency feedback.
• Monitor market trends and competitive activity to identify opportunities and support business planning.
• Travel throughout the territory to meet with agency partners and attend industry events as needed.
• Participate in virtual meetings and maintain regular communication with key stakeholders

Qualifications

What You’ll Bring

• Bachelor’s degree or equivalent combination of education and experience preferred
• Professional designations such as AU or CPCU preferred
• Minimum of 5 years of underwriting experience in Property, General Liability, Commercial Auto and Workers Compensation
• Strong understanding of underwriting practices, risk assessment, and policy structures
• Familiarity with insurance policy language and coverage forms
• Solid understanding of working with data to support underwriting decisions
• Strong time management, organizational, and prioritization skill
• Clear written and verbal communication skills
• Ability to collaborate effectively across teams
• Self‑motivated with strong attention to detail and accountability

What to Expect

• A blend of underwriting expertise, territory management, and relationship building.
• Regular interaction with agency partners and internal business leaders.
• Opportunities to influence territory performance and contribute to strategic growth initiatives.
• A collaborative environment focused on delivering long‑term profitable results.

Salary Range

$60,000.00-$125,000.00 USD

In accordance with applicable pay transparency laws, this range represents a good‑faith estimate. Final compensation will be determined based on factors such as experience, credentials, geographic location, and other considerations permitted by law.

Location

This role may be based out of our office locations:

Scottsdale, AZ; and Rancho Cordova, CA.

Interview Integrity Notice:

Berkshire Hathaway GUARD is committed to a fair and consistent hiring process. Candidates are expected to participate independently in interviews. Unauthorized recording, transcription, AI note‑taking, or AI interview assistance tools may not be used during interviews without prior approval.