Underwriter - Personal Liability (Trustee Coverage)

Element Risk Management; Denver (CO); On-site; USD 120,000 - 180,000; Full time

Job summary

Element Risk Management seeks a production-focused Underwriter to drive growth in trustee and fiduciary liability. The role spans submission to bind, collaborating with wholesale/retail partners, MGA platforms, and internal teams to win business.

The candidate brings 3–5+ years in professional/private D&O underwriting in a production/MGA environment, with strong negotiation and relationship skills to accelerate deal flow and optimize pricing strategies.

Qualifications

• 3–5+ years of underwriting experience in professional or private D&O liability, with exposure to trustee, fiduciary, or similar specialty lines.
• Experience in a production underwriting, MGA, or wholesale-driven environment.
• Demonstrated ability to move deals from submission to bind in a fast-paced setting.
• Strong understanding of policy forms, coverage nuances, and pricing strategies.
• Commercial mindset with strong negotiation and relationship management skills.

Responsibilities

• Underwrite, structure, and drive new business and renewal opportunities to close within trustee/fiduciary liability.
• Manage submissions through the full lifecycle: intake, analysis, quoting, negotiation, and binding.
• Partner with wholesale and retail brokers to negotiate terms, remove friction, and accelerate deal flow.
• Provide clear, actionable guidance on coverage structure, pricing strategy, and market positioning.
• Build and maintain strong relationships with wholesale and retail partners to scale the business.

Skills

Underwriting experience

D&O liability

Production underwriting

Deal negotiation

Relationship management

Policy forms knowledge

Job description

Underwriter - Personal Liability (Trustee Coverage)

About this position

Element Risk's Core Values:

• Integrity: Commit to honesty, transparency, and doing what is right even when no one is watching. Integrity is the foundation of trust in every decision, relationship, and outcome.
• Ownership: Take full responsibility for results, embracing both success and failure. Show grit and Relentless Perseveration, and practice Proactive Stewardship by protecting relationships and resources entrusted to us.
• Excellence: Pursue the never-ending journey of Continuous Improvement. Enhance skills, processes, and services while being Growth Oriented and driving innovation.
• Humility: Bring expertise with self-assurance while staying open to learning and valuing the perspectives of others. Lead and collaborate without ego.
• Authenticity: Show up as our true self, speak honestly, and build trust through openness and respect.

Position Overview
We are seeking a production-focused Underwriter to drive growth within our Professional Liability practice, specializing in trustee and fiduciary liability coverage. This role sits at the intersection of underwriting and deal execution—owning the process from submission through bind by working closely with wholesale and retail partners, our MGA platform, and internal sales teams to win business.

Key Responsibilities

• Underwrite, structure, and drive new business and renewal opportunities to closewithin trustee/fiduciary liability
• Manage submissions through the full lifecycle: intake, analysis, quoting, negotiation, and binding
• Partner with wholesale and retail brokers to negotiate terms, remove friction, and accelerate deal flow
• Provide clear, actionable guidance on coverage structure, pricing strategy, and market positioning
• Build and maintain strong relationships with wholesale and retail partners to scale the business

Qualifications

• 3–5+ years of underwriting experience in professional or private D&O liability, with exposure to trustee, fiduciary, or similar specialty lines
• Experience in a production underwriting, MGA, or wholesale-driven environment
• Demonstrated ability to move deals from submission to bindin a fast-paced setting
• Strong understanding of policy forms, coverage nuances, and pricing strategies
• Commercial mindset with strong negotiation and relationship management skills

What Success Looks Like

• Consistently converts opportunities into bound business at strong hit ratios
• Reduces cycle time from submission to quote to bind
• Builds a reliable pipeline through strong wholesale and retail partner relationships
• Becomes a key driver of revenue growth within the professional liability segment

OTHER RELEVANT REMARKS:

This position description describes the general nature and level of work performed. It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities, and qualifications required of employees assigned to this position. This position description is not intended as and does not create a contract of employment between the Agency and any individual employee. The Agency reserves the right to change this position description at any time within its sole discretion.