Underwriter - HYBRID

DB INSURANCE CO., LTD. (U.S. BRANCH); Anaheim (CA); Hybrid; USD 85,000 - 120,000; Full time

Benefits offered by this job

Medical, dental, vision insurance

401(k) plan

Paid time off

13 annual holidays

Life insurance

FSA / Dependent Care FSA

Quarterly fringe benefit reimburse m e

Casual dress code

Job summary

DB Insurance USA is seeking an experienced Property & Casualty Underwriter to evaluate, underwrite, and manage commercial auto accounts with a focus on risk assessment, pricing, and profitability. The role reports to the Senior Actuarial Manager and operates in a hybrid environment after one year.

The ideal candidate has a bachelor's degree in a related field, 5+ years of P&C underwriting, strong analytics, and excellent communication.

Qualifications

• Bachelor’s degree in Business, Finance, Risk Management, Insurance, or related field.
• 5+ years of P&C underwriting experience.
• Strong understanding of Property & Casualty 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.

Responsibilities

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

Skills

P&C underwriting

Risk evaluation

Communication skills

MS Office

Underwriting systems

Education

Bachelor’s degree

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 & Casualty 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 & Casualty 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.