Executive Underwriter, Middle Market

Our Middle Market Underwriters focus on answering two fundamental questions:
Should we write a policy for a particular customer?
What is a fair price for the risk we would incur by writing the policy?

On the surface, these questions may seem straightforward. Still, as a Liberty Mutual Insurance underwriter, you will have a curiosity that propels you to dig deeper for the answers. You will rely on your strong analytic, communication, and negotiation skills and thrive in a fast-paced, collaborative environment. Middle Market Underwriters are natural problem solvers who want to know our customers and how we can profitably accept the risks that our policies cover

This is a multi-industry Property & Casualty underwriting role focused on middle-market accounts, ranging from $ 100,000 to $2.5 million in written premium. You’ll work across a diverse portfolio of industries, applying your expertise to evaluate complex risks and craft tailored insurance solutions.

This position is being offered as either a Senior or Executive Underwriter, depending on the candidate's experience.

Responsibilities:

• Risk Selection: Reviews, rates, underwrites, evaluates, or assesses the business applying for insurance by qualifying accounts, identifying, selecting and assessing risks, determining the premium, policy terms and conditions, obtaining approvals, creating/presenting the proposal to the agent/broker, and successfully negotiating deals. Your decisions in this area will directly impact our ability to profitably accept the risks that our policies cover.
• Agent/Broker Relationships: Demonstrates a high level of responsiveness and focus on supporting Agents' and Brokers' objectives. Establishes, develops, and maintains successful relationships with Agents and Brokers to facilitate the marketing of products through responsive service, site visits, in-person renewal meetings, or enhanced knowledge of their customers' businesses. Develop a strong personal brand to build and maintain a long-term quality pipeline with Agents/Brokers.
• Portfolio Management: Manages a book of business by analyzing the portfolio, identifying areas of opportunity for improved growth, profit, and diversification, and executing marketing plans to increase market share by attending and making marketing calls to brokers to market and cross-market.
• Documenting the Deal: Document files in a way that reflects a solid thought process and decision-making through comprehensive account reviews, sign-offs, and referrals that comply with state regulations, letters of authority, and underwriting guidelines.
• Leadership: Formally and informally guides, mentors, and coaches underwriters and account analysts in technical and professional skills.
• Continuous Improvement: Actively participates in continuous improvement by leading problem-solving activities and using continuous improvement tools to support the team's work. This ensures that our underwriting processes are constantly evolving and improving.

Pay Philosophy: The typical starting salary range for this role is determined by a number of factors including skills, experience, education, certifications and location. The full salary range for this role reflects the competitive labor market value for all employees in these positions across the national market and provides an opportunity to progress as employees grow and develop within the role. Some roles at Liberty Mutual have a corresponding compensation plan which may include commission and/or bonus earnings at rates that vary based on multiple factors set forth in the compensation plan for the role. 

At Liberty Mutual, our goal is to create a workplace where everyone feels valued, supported, and can thrive. We build an environment that welcomes a wide range of perspectives and experiences, with inclusion embedded in every aspect of our culture and reflected in everyday interactions. This comes to life through comprehensive benefits, workplace flexibility, professional development opportunities, and a host of opportunities provided through our Employee Resource Groups. Each employee plays a role in creating our inclusive culture, which supports every individual to do their best work. Together, we cultivate a community where everyone can make a meaningful impact for our business, our customers, and the communities we serve.

We value your hard work, integrity and commitment to make things better, and we put people first by offering you benefits that support your life and well-being. To learn more about our benefit offerings please visit: https://LMI.co/Benefits  
  
Liberty Mutual is an equal opportunity employer. We will not tolerate discrimination on the basis of race, color, national origin, sex, sexual orientation, gender identity, religion, age, disability, veteran's status, pregnancy, genetic information or on any basis prohibited by federal, state or local law.  
  
Fair Chance Notices  

• California 

• Los Angeles Incorporated 

• Los Angeles Unincorporated 

• Philadelphia 

• San Francisco