Underwriter - HYBRID

DB Insurance Co., Ltd.; Anaheim (CA); Hybrid; USD 85,000 - 120,000; Full time

Benefits offered by this job

Medical insurance

Dental insurance

Vision insurance

Life insurance

Paid time off

Sick leave

Holidays

401(k) plan

FSA

Dependent Care FSA

Training reimbursement

Casual dress

Job summary

DB Insurance USA seeks an experienced Property & Caution Underwriter to evaluate, underwrite, and manage commercial auto accounts. The role focuses on risk assessment, pricing, and portfolio management while maintaining broker and internal team relationships.

Ideal candidates have strong P&C knowledge, analytical skills, and the ability to make sound underwriting decisions for a profitable book. The position offers a hybrid work arrangement in California, with in-office presence required

Qualifications

• 5+ years of P&C underwriting experience.
• Bachelor’s degree in business, finance, risk management or insurance.
• Strong understanding of P&C principles and risk evaluation.
• Experience managing commercial accounts and underwriting decisions.
• Excellent written and verbal communication skills.
• Proficiency in MS Office and underwriting systems.

Responsibilities

• Evaluate, underwrite, and manage commercial P&C accounts, submissions, exposures and pricing.
• Analyze loss history, financials, and risk profiles for informed decisions.
• Apply underwriting guidelines, actuarial info, and industry best practices.
• Build relationships with brokers, agents and internal stakeholders.
• Handle renewals and new submissions with proper documentation and approvals.
• Monitor portfolio performance and market trends to guide strategy.
• Collaborate with claims, actuarial, finance, and risk teams.
• Ensure compliance with policies, regulations and standards.
• Participate in special projects to improve processes and profitability.

Skills

P&C underwriting

Communication

MS Office

Underwriting systems

Risk assessment

Education

Bachelor’s degree

Tools

Underwriting systems

Job description

Job Title

Underwriter

Location

222 S Harbor Blvd, #720, Anaheim, CA 92805

Salary

$85,000 - $120,000/year

Position Type

• Full-Time
• Exempt (Salaried)
• Monday – Friday
• 8:30 am – 5:30 pm
• Hybrid after 1 year – 3 days in office/2 days remote

Reports to

Senior Actuarial Manager

Position Overview

We are seeking a detail-oriented and experienced Property & Caution Underwriter to evaluate, underwrite, and manage commercial auto accounts. This role focuses on risk assessment, pricing, and portfolio management while maintaining strong relationships with brokers, agents, and internal teams. The ideal candidate has strong P&C knowledge, excellent analytical skills, and the ability to make sound underwriting decisions for a profitable book of business.

Key Responsibilities

• Evaluate, underwrite, and manage commercial P&C accounts, including reviewing submissions, assessing exposures, and recommending terms and pricing.
• Analyze loss history, financials, and risk profiles to make informed underwriting decisions.
• Apply company underwriting guidelines, actuarial information, and industry best practices.
• Build and maintain strong relationships with brokers, agents, and internal stakeholders.
• Manage renewals and new business submissions, ensuring proper documentation and approvals.
• Monitor portfolio performance and market trends to inform underwriting strategy.
• Collaborate with claims, actuarial, finance, and risk teams to align underwriting strategy with overall business objectives.
• Ensure compliance with company policies, state regulations, and industry standards.
• Participate in special projects and initiatives to improve underwriting processes and portfolio profitability.

Qualifications

• Bachelor’s degree in Business, Finance, Risk Management, Insurance, or related field.
• 5+ years of P&C underwriting experience.
• Strong understanding of Property & Caution insurance principles and risk evaluation.
• Experience managing commercial accounts and making sound underwriting decisions.
• Excellent written and verbal communication skills.
• Proficiency in Microsoft Office and underwriting systems.

Preferred

• Commercial Auto experience.
• CPCU designation or actively pursuing professional insurance credentials.
• Experience with middle-market or broker-facing accounts.
• Strong analytical skills and attention to detail.

Benefits

• Medical (PPO), dental (PPO), vision (PPO), and life insurance covered 100% by the company and 50% for dependents.
• Paid time off and sick leave.
• 13 annual paid holidays.
• 401(k) plan with up to 4% company match.
• Flexible Spending Account (FSA) & Dependent Care FSA.
• Quarterly Fringe Benefit reimbursements.
• Job-related training reimbursement.
• Casual dress code.

About Us

At DB Insurance USA, we carry forward a legacy of excellence that began in South Korea in 1962 and expanded to the U.S. in 1984. Backed by the financial strength of a global powerhouse (AM Best Rating: A+, S&P Rating: A+), we combine world-class resources with the agility of a close-knit team. With offices in California, Hawaii, New York, and Guam, we provide innovative insurance solutions tailored to protect your property, business, and livelihood. We are committed to fostering a culture of inclusion and innovation, ensuring exceptional service and peace of mind for every policyholder.