VP / Senior Commercial Property Underwriter - E&S (Remote)

K2 Insurance Services, LLC; Miami (FL); Remote; USD 140,000 - 185,000; Full time

Benefits offered by this job

Medical, dental, and vision insurance

Generous paid time off

401(k) with employer matching

Job summary

Vikco Insurance Services, LLC, a subsidiary of K2 Insurance Services, LLC, seeks a VP/Senior Commercial Property Underwriter (E&S) for remote work. You will independently evaluate, price, and structure high-hazard commercial property risks, using delegated underwriting authority to manage a profitable book and mentor junior staff.

Ideal candidates have layered/shared programs expertise, non-cat and cat-exposed properties, and prior MGU or surplus lines carrier pricing experience.

Qualifications

• Bachelor’s degree or equivalent in business, finance, risk management, or insurance.
• Minimum five years in Excess & Surplus lines underwriting or related operations.
• Experience pricing, issuing, and servicing complex property risks.

Responsibilities

• Review submissions for completeness and risk exposure, summarize data in files.
• Analyze exposure, financial data, and loss history to support pricing decisions.
• Conduct public-record research to identify risk factors impacting acceptability.
• Calculate rating bases and enter data into the rating system with accuracy.
• Rate complex accounts using approved methodologies and guidelines.
• Prepare binders, issue policies, and ensure documents reflect terms.
• Maintain current files and support remote team workflows and trainings.
• Collaborate with producers, underwriters, and internal partners throughout underwriting.
• Support special projects with timely delivery and clear communication.

Skills

High-level underwriting knowledge

Analytical skills

Written and verbal communication

Time management

Remote collaboration

Education

Bachelor’s degree in business, finance, risk management, insurance, or related field

5+ years of relevant insurance underwriting experience

Tools

Microsoft 365

Job description

Vikco Insurance Services, LLC, a wholly owned subsidiary of K2 Insurance Services, LLC, is seeking a full-time remote VP / Senior Commercial Property Underwriter (E&S).

Vikco Insurance Services is a leader in providing specialized insurance solutions across various lines of business, with a strong reputation for reliability, professionalism, and industry knowledge. Since our inception in 1965, we have been committed to delivering superior products and services to our clients by focusing on a rate-driven underwriting approach. This consistency helps reduce premium fluctuations and ensures long-term success in a competitive market.

Vikco Insurance Services offers the opportunity to join an established company in growth mode. Our pay and benefits program includes:

• medical, dental, and vision insurance with no waiting period
• generous paid time off in year of hire
• and 401(k) with employer matching

Job Summary

The VP/Senior Commercial Property Underwriter (E&S) is a senior-level technical role responsible for the independent evaluation, pricing, and structuring of complex, high-hazard, Commercial Property risks within the Excess & Surplus Lines market. Operating with a high degree of delegated underwriting authority, this individual will manage a profitable book of business, service a dedicated network of wholesale brokers, and serve as a technical mentor to junior underwriting staff. The ideal candidate has deep expertise in layered/shared programs, non-cat and cat-exposed properties, and has previously worked at an MGU or surplus lines carrier and has been responsible for pricing.

Key Responsibilities

• Review underwriting submissions for completeness and accuracy, summarize relevant exposure and risk information, and organize supporting documentation in the approved file format.
• Analyze underwriting data, including exposure information, financial data, loss history, and other relevant risk indicators, to support risk selection and pricing decisions.
• Conduct and document internet and public-record research to identify risk characteristics, adverse information, or other issues that may affect risk acceptability.
• Calculate rating bases accurately from verified exposure and financial data in accordance with approved underwriting guidelines.
• Enter verified exposure and rating data into the approved rating system, validate the resulting unmodified premiums, and elevate discrepancies for review.
• Rate complex accounts accurately by applying approved rating methodologies, underwriting guidelines, and exposure data.
• Complete and document loss analyses, identify relevant loss trends and severity drivers, and summarize findings for underwriting review.
• Prepare and distribute accurate binders to producers in accordance with approved terms, conditions, pricing, and service standards.
• Issue accurate policies and endorsements, verify that documents reflect approved underwriting terms, and distribute completed documents to producers within required service timelines.
• Maintain complete, accurate, and current files for pending, closed, canceled, and bound policies in accordance with departmental procedures and record-retention requirements.
• Maintain proficiency in the underwriting, rating, policy administration, and workflow systems and processes used by the department.
• Support special projects by gathering and validating information, coordinating assigned activities, and completing deliverables within established timelines.
• Develop and maintain effective working relationships with producers by communicating clearly, responding promptly, and providing accurate information throughout the underwriting process.
• Participate actively in team meetings and trainings by preparing relevant information, contributing to discussions, and completing assigned follow-up actions.

Required Skills/Abilities

• Proficiency with Microsoft 365 applications, including Outlook, Word, Excel, and Teams, and the ability to learn underwriting, rating, and policy administration systems
• Strong mathematical and analytical skills, including the ability to calculate rating bases, analyze financial and loss data, and identify discrepancies.
• Strong written and verbal communication skills, with the ability to explain underwriting information clearly to producers, underwriters, and internal partners.
• Ability to prioritize multiple assignments, manage competing deadlines, and maintain accuracy in a deadline-driven environment.
• Ability to collaborate effectively with underwriting, operations, production, and other internal partners in a remote team environment.

Education/Experience

• Bachelor’s degree in business, finance, risk management, insurance, or a related field, or an equivalent combination of education and relevant experience.
• Prefer 5 years of relevant insurance experience, preferably supporting Excess & Surplus lines commercial property underwriting, rating, policy issuance, or related operations.

Working Conditions

Regular availability is required during established core business hours of 8:30 am to 5:00 pm in applicant’s time zone, with additional flexibility as business needs require.

Physical Requirements

This position does not have physical requirements beyond those typically associated with a professional office environment. Duties may involve prolonged periods of sitting, working at a computer, participating in virtual or in-person meetings, and performing other routine office activities.

Occasional business travel may be required, including the customary physical and environmental demands associated with corporate travel.

Direct Reports

None

Salary Range

$140,000 - $185,000 depending on experience and location.