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Tower Hill Insurance Group - Gainesville, FL
posted 2 months ago
About the position
The Excess & Surplus (E&S) Underwriter, Personal Lines position at Tower Hill Insurance Group is crucial for the development and retention of a profitable high-value E&S Personal Lines portfolio. This role involves evaluating new and renewal business, determining appropriate premiums, and ensuring compliance with company guidelines. The ideal candidate will possess an entrepreneurial mindset and a proven track record in underwriting high-value properties exceeding $2 million.
Responsibilities
- Evaluate new and renewal business for homeowner's insurance, focusing on high-value homes and excess/surplus risks.
- Analyze property characteristics, inspections, location, and overall risk factors.
- Determine appropriate premium levels based on individual risk profiles, ensuring alignment with company guidelines and market standards.
- Recommend additional premium adjustments when necessary.
- Stay informed about industry trends, market conditions, and competitive landscape to make informed underwriting decisions.
- Work closely with agency partners and other stakeholders to gather necessary information and clarify risk details.
- Develop relationships with retail agents through close communication.
- Maintain accurate and thorough records of all underwriting decisions, risk assessments, and communications.
- Ensure compliance with all regulatory requirements and internal policies.
- Provide guidance to agency partners on underwriting requirements and risk management strategies for high-value properties.
- Participate in underwriting audits and performance reviews to identify areas for improvement.
- Mentor junior underwriters and participate in training programs to enhance team capabilities.
Requirements
- Bachelor's Degree or higher in Business, Marketing, Underwriting, Statistics, Finance, Risk Management or related field preferred.
- Minimum of two (2) years of relevant work experience in Underwriting, Pricing, Claims or Operations required.
- Experience in Excess & Surplus Personal Lines or Commercial Underwriting preferred.
- Insurance designations, Product Management Certifications, or Project Management Certifications are desirable.
- Valid Driver's License required.
Nice-to-haves
- Experience in Excess & Surplus Personal Lines or Commercial Underwriting preferred.
- Insurance designations, Product Management Certifications, or Project Management Certifications are desirable.
Benefits
- Opportunities for advancement
- Competitive benefits and rewards
