Underwriter

Pathpoint, Inc; United States; Remote; USD 117,000 - 160,000; Full time

Benefits offered by this job

401(k) with 2% employer match

Remote-first environment

Annual home office stipend

Monthly internet stipend

PTO 20 days (25 after 2 years)

Professional development opportunities

Equity and total rewards

Job summary

Pathpoint, Inc. is seeking an Underwriter to own the territory and underwrite commercial E&S property and casualty accounts, driving profitable growth in a remote-first environment.

You will review submissions, develop quotes, secure binds, collaborate with carriers, brokers, and internal teams, and help shape underwriting strategy while meeting regional targets.

Qualifications

• Minimum 3+ years E&S commercial property/casualty underwriting experience, preferably with small and mid-sized accounts.
• Strong technical underwriting skills and a deep understanding of carrier appetite, guidelines, and rating concepts.
• Proven success building relationships with carrier underwriters, brokers, and internal sales or account management functions.
• Strong negotiation, communication, and analytical abilities, with a clear focus on profitable growth.
• Confident and self-directed, thriving in a fast-paced, remote environment; high digital literacy and quick to adapt to new systems.
• Results-oriented and accountable for production goals and service standards, with collaboration and initiative.

Responsibilities

• Own the territory: Manage a defined region, underwriting new commercial E&S property and casualty accounts with monthly premium and submission goals.
• Review & assess risks: Evaluate submissions for completeness, risk appetite fit, pricing considerations, and coverage requirements.
• Prepare & deliver quotes: Develop accurate, competitive quotes by analyzing risk characteristics and communicating options.
• Secure binds & complete placement: Proactively manage opportunities, obtain bind commitments, coordinate documentation, and ensure compliant placement.
• Work accounts: Prioritize and advance submissions, maintain pipeline visibility, and meet service levels while coordinating with carriers.
• Partner with carriers: Collaborate with carrier underwriters to shape underwriting strategy, coverage forms, and pricing parameters.
• Improve the portfolio & platform: Review portfolio performance with Analytics to optimize profitability and provide insights to Product and Engineering.

Skills

E&S underwriting

Carrier appetite & guidelines

Relationship building

Negotiation & communication

Analytical abilities

Remote work adaptability

Job description

Underwriter

Who We Are

Pathpoint is the full-service E&S wholesaler that combines smart technology and expert E&S guidance to give brokers and agents unprecedented visibility and control. Traditional wholesalers offer market access without technology. Insurtech platforms offer technology without expert guidance. We do both: an in-house team of specialized E&S experts engaged at every step, paired with technology that automates the end-to-end process. Since we started trading in 2021, broad market access has helped thousands of brokers grow into bigger accounts and broader books, and we are just getting started (learn more).

What We're Looking For

• Minimum 3 years + of E&S commercial property and casualty underwriting experience, preferably with small and mid-sized commercial accounts and 5+ year of insurance experience.

• Strong technical underwriting skills and a deep understanding of carrier appetite, guidelines, and rating concepts.

• Proven success building relationships with carrier underwriters, brokers, and internal sales or account management functions.

• Strong negotiation, communication, and analytical abilities, with a clear focus on profitable growth.

• Confident and self-directed, thriving in a fast-paced, remote environment; high digital literacy and quick to adapt to new systems.

• Results-oriented and accountable for production goals and service standards, with the humility, collaboration, and initiative a rapidly evolving organization requires.

Job Responsibilities

• Own the territory: Manage a defined region, owning new business underwriting across commercial E&S property and casualty accounts, with accountability for monthly premium and submission goals that ladder into regional and company targets.

• Review & assess risks: Evaluate submissions for completeness, risk appetite fit, pricing considerations, and coverage requirements, exercising sound underwriting judgment on exposure and coverage needs within carrier guidelines.

• Prepare & deliver quotes: Develop accurate, competitive quotes by analyzing risk characteristics, applying underwriting guidelines, and clearly communicating coverage options, pricing, and recommendations to agents.

• Secure binds & complete placement: Proactively manage open opportunities, obtain bind commitments, coordinate required documentation, and ensure successful placement with meticulous documentation and compliance with Pathpoint and carrier underwriting standards.

• Work accounts: Prioritize and advance submissions efficiently, maintain pipeline visibility, and meet service level expectations while balancing responsiveness, marketing to carriers, risk selection, presenting options, iterating with clients, and landing accounts.

• Partner with carriers: Work with carrier underwriters to shape underwriting strategy, coverage forms, and pricing parameters.

• Improve the portfolio & platform: Review portfolio performance with Analytics to optimize profitability and efficiency, and contribute front-line insights to Product and Engineering to refine Pathpoint's proprietary underwriting system.

What We Offer

• Insurance coverage fit for an insurance company – with some plans at no cost to you

• Competitive compensation, equity, and total rewards

• 401(k) with a 2% bi-weekly employer match

• 20-days of PTO (increased to 25-days after 2-years)

• Professional development opportunities

• Remote-first working environment with investments in in-person collaboration

• Annual $500 home office stipend

• Monthly $75 internet stipend

• Generous paid parental leave

• An insurance partner offering unique opportunities for professional growth

Compensation:

75% of total target compensation is base salary, and 25% is variable compensation based on individual and territory goals. The expected base salary for the position at the start of employment is $117,000. This position is eligible for variable compensation based on territory goals and performance, with expected on-target earnings of $160,000 if 100% of goals are achieved. Attainment beyond 100% of goals is rewarded with generous accelerated earnings.

Actual compensation is based on factors such as, but not limited to, applicable job experience, skills, and qualifications. Salary is just one component of Pathpoint's Total Rewards package, which includes equity grants and generous employee benefits fitting of an insurance company.

About Pathpoint

Pathpoint's Values:

Hard Problems Drive Us: We believe the insurance industry hasn’t kept up with changing times and fixing that is a hard problem worth solving.

We Start with Why: Seek to understand what customers care about. Use data to challenge assumptions and figure out the problem.

We Take Ownership and Accountability: We think people are their happiest when they have high ownership and accountability over the problems confronting them and are empowered to move decisively to work on them.

We Work Together: Nothing happens without the individual efforts of our team members, but effective teamwork is how we build and maintain customer value.

We Move Forward: We value the ability to persist through adversity to achieve goals and believe speed plays an important role.

Notes:

Don't meet every single requirement? At Pathpoint, we are dedicated to building a diverse, inclusive, and authentic workplace. If you're excited about this role, but don't meet every qualification in the job description, we encourage you to apply anyways and explain why you're the right fit.

We are unable to provide visa sponsorship for this position at this time. By applying to this job, you confirm that you are eligible to work in the U.S. without requiring visa sponsorship now or in the future. Thank you for your understanding.

Pathpoint is an equal opportunity employer that values diversity, inclusion, and belonging. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.