The Associate Underwriter works within a production underwriting team to produce commercial insurance products for selected retail agency partners.  The products provided are Commercial General Liability, Commercial Property, Commercial Inland Marine, and Commercial Follow Form Excess.  The Associate Underwriter has a primary responsibility for policy issuance and ensuring that service standards and compliance guidelines are met.  The Associate Underwriter will analyze information and have the opportunity to connect with their assigned agency partners. Specific Duties - Under general direction, analyze renewal data, set up pricing using provided renewal pricing tools and issue renewal quotes and/or renewal policies as the guidelines dictate. - Assist other underwriters on assigned team with handling the issuance of binders, endorsements, cancellations, and, reinstatements for assigned agents within the service standard guidelines - Ensure underwriting files, service standards and compliance guidelines are adhered to and underwriting authority letter is followed at all times. - Rapidly evaluate, prioritize, and select most important tasks to handle for the assigned underwriting team. This includes but is not limited to: - Handling of assigned team’s general email inbox - Rating multi-location, multi-state accounts as needed for other underwriters on assigned team(s) - Ordering Loss Control reports from third party vendors when requested - Enter reinsurance cessions into reinsurance accounting system for payment reconciliation May perform other functions as assigned.

Work with team to underwrite new business submissions and help service book of business and meet overall business objectives.   Risk transactions include, but are not limited to new business underwriting, inspections, endorsements, renewal underwriting and audits. - Review and Underwrite new business submissions for acceptability according to authority granted. - Serve as the primary back up for the Territory Manager and the Underwriting team. - Review and underwrite fast track and non-fast track renewals as needed, based upon authority granted, achieving renewal premium retention and rate change objectives. - Make sound risk and pricing decisions that achieve profitable loss ratios. - Maintain underwriting quality score of 90% or greater.  Document underwriting file to support acceptability and pricing in accordance with company guidelines. - Achieve designated customer service standards. - Provide detailed issuance instructions to ensure policy is delivered consistent with quoted terms and conditions and in accordance with established guidelines relative to policy construction. - Review mid-term endorsement requests for acceptability up to the authority granted. - Review inspections to confirm accounts written are consistent with preliminary underwriting information and refer to underwriter when the inspection reveals unacceptable risk characteristics. - Utilize various underwriting tools to determine acceptable risk characteristics, accurate classifications, insurance to value, calculate rates, etc. - Review audits and refer to underwriter based upon authority granted. - Assist with training, mentoring and coaching of less experienced team members.

This position will support designated underwriters and their agents with lower risk transactions including but not limited to new business, inspections, endorsements, renewals and audits.   - Review and Underwrite new and renewal business submissions for acceptability according to authority granted. - Make sound risk and pricing decisions that achieve profitable loss ratios. - Maintain underwriting quality score of 90% or greater.  Document underwriting file to support acceptability and pricing in accordance with company guidelines. - Achieve designated customer service standards. - Provide detailed issuance instructions to ensure policy is delivered consistent with quoted terms and conditions and in accordance with established guidelines relative to policy construction. - Review mid-term endorsement requests for acceptability up to the authority granted. - Review inspections to confirm accounts written are consistent with preliminary underwriting information and refer to underwriter when the inspection reveals unacceptable risk characteristics. - Utilize various underwriting tools to determine acceptable risk characteristics, accurate classifications, insurance to value, calculate rates, etc. - Review audits and refer to underwriter based upon authority granted

Manage an assigned underwriting territory to achieve profitable growth, including underwriting new business, renewals, endorsements and other transactions.  Identify new business opportunities and manage agency relationships.   Roles and Responsibilities  - Develop relationships and educate agents within agency plant to maximize opportunities and achieve profitable growth. - Initiate outbound calls to agencies to identify sales opportunities and collect agent intelligence. - Achieve new business premium, renewal premium retention and rate change objectives. - Within company guidelines and granted underwriting authority, evaluate new and renewal account information to determine risk acceptability, terms / conditions to be quoted, and pricing. - Make sound risk and pricing decisions that achieve profitable loss ratios. - Maintain underwriting quality score of 90% or greater. Document underwriting file to support acceptability and pricing in accordance with company guidelines. - Achieve customer service standards, including established objectives for: - New business quote turnaround - Renewal quotes - Endorsement, cancellation, audits and other transactions - Policy issuance - Provide detailed issuance instructions to ensure policy is delivered consistent with quoted terms and conditions and in accordance with established guidelines relative to policy construction. - Review mid-term endorsement requests for acceptability and provide instructions for processing. - Evaluate premium audit referrals to determine class acceptability and/or appropriateness of current exposure base. Adjust current term with acceptable changes to ensure company gets timely payment of adequate premium. - Order and review inspections to confirm accounts written are consistent with preliminary underwriting information and takes action when the inspection reveals unacceptable risk characteristics. - Assist with training, mentoring and coaching of less experienced team members. - Determine if facultative reinsurance is needed and if so, factor reinsurance cost in gross pricing, complete cession procedures; documentation file, and follow established workflow procedure to ensure proper reporting / accounting. - Utilize various underwriting tools to: - Determine acceptable risk characteristics - Determine accurate exposure classifications - Set adequate property limits to accomplish appropriate insurance to value - Rate and quote business to agents - Support other underwriters as assigned when the other underwriter is traveling or out on vacation / sick time.  

Manage an assigned underwriting territory to achieve profitable growth, including underwriting new business, renewals, endorsements and other transactions.  Identify new business opportunities and manage agency relationships.   Roles and Responsibilities  - Develop relationships and educate agents within agency plant to maximize opportunities and achieve profitable growth. - Initiate outbound calls to agencies to identify sales opportunities and collect agent intelligence. - Achieve new business premium, renewal premium retention and rate change objectives. - Within company guidelines and granted underwriting authority, evaluate new and renewal account information to determine risk acceptability, terms / conditions to be quoted, and pricing. - Make sound risk and pricing decisions that achieve profitable loss ratios. - Maintain underwriting quality score of 90% or greater. Document underwriting file to support acceptability and pricing in accordance with company guidelines. - Achieve customer service standards, including established objectives for: - New business quote turnaround - Renewal quotes - Endorsement, cancellation, audits and other transactions - Policy issuance - Provide detailed issuance instructions to ensure policy is delivered consistent with quoted terms and conditions and in accordance with established guidelines relative to policy construction. - Review mid-term endorsement requests for acceptability and provide instructions for processing. - Evaluate premium audit referrals to determine class acceptability and/or appropriateness of current exposure base. Adjust current term with acceptable changes to ensure company gets timely payment of adequate premium. - Order and review inspections to confirm accounts written are consistent with preliminary underwriting information and takes action when the inspection reveals unacceptable risk characteristics. - Assist with training, mentoring and coaching of less experienced team members. - Determine if facultative reinsurance is needed and if so, factor reinsurance cost in gross pricing, complete cession procedures; documentation file, and follow established workflow procedure to ensure proper reporting / accounting. - Utilize various underwriting tools to: - Determine acceptable risk characteristics - Determine accurate exposure classifications - Set adequate property limits to accomplish appropriate insurance to value - Rate and quote business to agents - Support other underwriters as assigned when the other underwriter is traveling or out on vacation / sick time.  

To manage and provide leadership to the claims unit and to provide efficient and effective administration of claims handled on behalf of client companies. Foster company relations and promote the company’s presence in the marketplace.  - Interview, hire and train staff - Manage and guide the performance and professional development of staff through coaching and mentoring, including performance evaluations and salary reviews - Collaborate with underwriting on current and proposed policy language and new product development - Identify and communicate industry trends and/or portfolio claim developments that may impact company results, appetite or pricing - Proactively attends marketing, sales and account meetings to establish relationships with our agent partners and maximize the competitive advantage derived from the “Aspire Claim Experience” and our direct to retail business model - Oversee and participate in claim reviews or other value-added claim services applicable to individual accounts where those services are appropriate - Identify and implements strategies to reduce total claim cost and optimize company profitability - Consult with the underwriting team on an individual risk basis to assist with risk selection and the application of appropriate terms/conditions to ensure portfolio profitability - Identify claims with significant exposure and take a more active role coordinating a strategy for an appropriate resolution - Understands and utilizes existing technology resources and data to measure and monitor financial and performance trends - Facilitates the improvement of all systems applications utilized in the Department for successful and efficient claims handling and related workflow processes - Responsible for managing projects related to achieving department goals (i.e., cost management, quality assurance, SIU, training and development, etc.) - Review and approve coverage letters and responses to regulatory agency inquiries. - Review and approve Large Loss Reports. - Occasional responsibility for handling claims that are very complex and/or involve sensitive or confidential information. 

Manage an assigned underwriting territory to achieve profitable growth, including underwriting new business, renewals, endorsements and other transactions.  Identify new business opportunities and manage agency relationships.   Roles and Responsibilities  - Develop relationships and educate agents within agency plant to maximize opportunities and achieve profitable growth. - Initiate outbound calls to agencies to identify sales opportunities and collect agent intelligence. - Achieve new business premium, renewal premium retention and rate change objectives. - Within company guidelines and granted underwriting authority, evaluate new and renewal account information to determine risk acceptability, terms / conditions to be quoted, and pricing. - Make sound risk and pricing decisions that achieve profitable loss ratios. - Maintain underwriting quality score of 90% or greater. Document underwriting file to support acceptability and pricing in accordance with company guidelines. - Achieve customer service standards, including established objectives for: - New business quote turnaround - Renewal quotes - Endorsement, cancellation, audits and other transactions - Policy issuance - Provide detailed issuance instructions to ensure policy is delivered consistent with quoted terms and conditions and in accordance with established guidelines relative to policy construction. - Review mid-term endorsement requests for acceptability and provide instructions for processing. - Evaluate premium audit referrals to determine class acceptability and/or appropriateness of current exposure base. Adjust current term with acceptable changes to ensure company gets timely payment of adequate premium. - Order and review inspections to confirm accounts written are consistent with preliminary underwriting information and takes action when the inspection reveals unacceptable risk characteristics. - Assist with training, mentoring and coaching of less experienced team members. - Determine if facultative reinsurance is needed and if so, factor reinsurance cost in gross pricing, complete cession procedures; documentation file, and follow established workflow procedure to ensure proper reporting / accounting. - Utilize various underwriting tools to: - Determine acceptable risk characteristics - Determine accurate exposure classifications - Set adequate property limits to accomplish appropriate insurance to value - Rate and quote business to agents - Support other underwriters as assigned when the other underwriter is traveling or out on vacation / sick time.  

Lead the Billing & Tax Support team to ensure efficient, timely, and accurate Account Receivable and Surplus Lines Tax handling operations, including collections, agency billing, direct billing, cash application, write-offs, month-end close duties, and surplus lines tax reporting and filings. Coordinates the unit workflow by developing a trained, competent, well-motivated staff utilizing effective leadership and team building skills, providing training programs, career planning and implementing departmental objectives consistent with the company’s mission, vision and objectives. - Manages, evaluates and monitors the premium recovery procedures, production goals, workflow guidelines using and displaying effective leadership skill to achieve optimum performance and premium recovery results.  Analyzes and monitors staff’s quality and training of personnel in accordance with company and department guidelines.  - Responsible for the interviewing and hiring of department staff. Complete performance and salary appraisals, promotions for subordinates, written warnings, scheduling of vacation time, regulation of overtime and compressed work week schedules.  Conduct individual coaching sessions and departmental meetings. - Prepares the departmental budget which includes salary administration, equipment needs, training expenses, travel expenses, and collection expenses and results. - Manages the daily deposit and monthly reconciliation of cash receipts. - Administrator for operational tasks within the online banking product to carryout cash management responsibilities. This includes Fraud Management and bank reconciliations.  - Coordinates the development, implementation and communication of new procedures and changes in procedures within the business units to improve efficiencies in the workflow, develops an effective staff and strengthens customer focus. - Meets, assists and communicates effectively with agents, insureds, attorneys, collection vendors, on the accuracy, compliance and resolution of complex audit disputes regarding audit premium due. Travels to represent company at mediations and settlement cases involving additional premium due, if needed.  Meets and maintains a good working relationship with outside collection vendors to ensure cost, timely service and quality work are provided. - Manages the monthly, quarterly, and annual reporting, filing and paying of surplus lines taxes and fees for all policies in the state mandated time frame. Making sure to keep all fines and penalties per predetermined guidelines.

Work with team to underwrite new business submissions and help service book of business and meet overall business objectives.   Risk transactions include, but are not limited to new business underwriting, inspections, endorsements, renewal underwriting and audits. - Review and Underwrite new business submissions for acceptability according to authority granted. - Serve as the primary back up for the Territory Manager and the Underwriting team. - Review and underwrite fast track and non-fast track renewals as needed, based upon authority granted, achieving renewal premium retention and rate change objectives. - Make sound risk and pricing decisions that achieve profitable loss ratios. - Maintain underwriting quality score of 90% or greater.  Document underwriting file to support acceptability and pricing in accordance with company guidelines. - Achieve designated customer service standards. - Provide detailed issuance instructions to ensure policy is delivered consistent with quoted terms and conditions and in accordance with established guidelines relative to policy construction. - Review mid-term endorsement requests for acceptability up to the authority granted. - Review inspections to confirm accounts written are consistent with preliminary underwriting information and refer to underwriter when the inspection reveals unacceptable risk characteristics. - Utilize various underwriting tools to determine acceptable risk characteristics, accurate classifications, insurance to value, calculate rates, etc. - Review audits and refer to underwriter based upon authority granted. - Assist with training, mentoring and coaching of less experienced team members.

The role of Executive Underwriter is to provide technical assistance in the Home Office Underwriting Department on special projects, product development, form and endorsement development, underwriting audits, corporate initiatives, training and development and product specific research while also acting as a referral authority, mentor and trainer to the underwriting team.    Responsibilities: - Handle account referrals outside of individual underwriter authority - Make sound risk and pricing decisions to drive profitable growth and achieve business objectives - Assist the management team with training, mentoring  and coaching of new associates and less experienced team members - Assist the management team in the overall development and communication of underwriting appetite - Assist the management team with developing and refining Underwriting and Pricing Guidelines - Assist the management team in new product development efforts to include initiation, research and implementation of new products as well as product/process enhancements - In coordination with the management team, participate in the development and execution of annual business plans for the division to include a profitable underwriting strategy - Lead research projects on trends impacting our business - Participate in book profitability analyses and corresponding action plan development - Stay abreast and knowledgeable on market trends and conditions to guide our business and achieve objectives - Lead the Underwriting Audit/Quality Control (QC) process to drive underwriting quality including:        Daily review of ‘bound’ new business to confirm the unit is maintaining underwriting integrity                  Daily review of ‘declined’ accounts to ensure opportunities are not being missed - Assist in the development of forms and endorsements and lead the coordination with Claims and Legal to finalize wording - Lead and participate in projects and initiatives as assigned by leadership - Other special projects/duties as assigned

Manage an assigned underwriting territory to achieve profitable growth, including underwriting new business, renewals, endorsements and other transactions.  Identify new business opportunities and manage agency relationships.   Roles and Responsibilities  - Develop relationships and educate agents within agency plant to maximize opportunities and achieve profitable growth. - Initiate outbound calls to agencies to identify sales opportunities and collect agent intelligence. - Achieve new business premium, renewal premium retention and rate change objectives. - Within company guidelines and granted underwriting authority, evaluate new and renewal account information to determine risk acceptability, terms / conditions to be quoted, and pricing. - Make sound risk and pricing decisions that achieve profitable loss ratios. - Maintain underwriting quality score of 90% or greater. Document underwriting file to support acceptability and pricing in accordance with company guidelines. - Achieve customer service standards, including established objectives for: - New business quote turnaround - Renewal quotes - Endorsement, cancellation, audits and other transactions - Policy issuance - Provide detailed issuance instructions to ensure policy is delivered consistent with quoted terms and conditions and in accordance with established guidelines relative to policy construction. - Review mid-term endorsement requests for acceptability and provide instructions for processing. - Evaluate premium audit referrals to determine class acceptability and/or appropriateness of current exposure base. Adjust current term with acceptable changes to ensure company gets timely payment of adequate premium. - Order and review inspections to confirm accounts written are consistent with preliminary underwriting information and takes action when the inspection reveals unacceptable risk characteristics. - Assist with training, mentoring and coaching of less experienced team members. - Determine if facultative reinsurance is needed and if so, factor reinsurance cost in gross pricing, complete cession procedures; documentation file, and follow established workflow procedure to ensure proper reporting / accounting. - Utilize various underwriting tools to: - Determine acceptable risk characteristics - Determine accurate exposure classifications - Set adequate property limits to accomplish appropriate insurance to value - Rate and quote business to agents - Support other underwriters as assigned when the other underwriter is traveling or out on vacation / sick time.  

Manage an assigned underwriting territory to achieve profitable growth, including underwriting new business, renewals, endorsements and other transactions.  Identify new business opportunities and manage agency relationships.   Roles and Responsibilities  - Develop relationships and educate agents within agency plant to maximize opportunities and achieve profitable growth. - Initiate outbound calls to agencies to identify sales opportunities and collect agent intelligence. - Achieve new business premium, renewal premium retention and rate change objectives. - Within company guidelines and granted underwriting authority, evaluate new and renewal account information to determine risk acceptability, terms / conditions to be quoted, and pricing. - Make sound risk and pricing decisions that achieve profitable loss ratios. - Maintain underwriting quality score of 90% or greater. Document underwriting file to support acceptability and pricing in accordance with company guidelines. - Achieve customer service standards, including established objectives for: - New business quote turnaround - Renewal quotes - Endorsement, cancellation, audits and other transactions - Policy issuance - Provide detailed issuance instructions to ensure policy is delivered consistent with quoted terms and conditions and in accordance with established guidelines relative to policy construction. - Review mid-term endorsement requests for acceptability and provide instructions for processing. - Evaluate premium audit referrals to determine class acceptability and/or appropriateness of current exposure base. Adjust current term with acceptable changes to ensure company gets timely payment of adequate premium. - Order and review inspections to confirm accounts written are consistent with preliminary underwriting information and takes action when the inspection reveals unacceptable risk characteristics. - Assist with training, mentoring and coaching of less experienced team members. - Determine if facultative reinsurance is needed and if so, factor reinsurance cost in gross pricing, complete cession procedures; documentation file, and follow established workflow procedure to ensure proper reporting / accounting. - Utilize various underwriting tools to: - Determine acceptable risk characteristics - Determine accurate exposure classifications - Set adequate property limits to accomplish appropriate insurance to value - Rate and quote business to agents - Support other underwriters as assigned when the other underwriter is traveling or out on vacation / sick time.  

Manage an assigned underwriting territory to achieve profitable growth, including underwriting new business, renewals, endorsements and other transactions.  Identify new business opportunities and manage agency relationships.   Roles and Responsibilities  - Develop relationships and educate agents within agency plant to maximize opportunities and achieve profitable growth. - Initiate outbound calls to agencies to identify sales opportunities and collect agent intelligence. - Achieve new business premium, renewal premium retention and rate change objectives. - Within company guidelines and granted underwriting authority, evaluate new and renewal account information to determine risk acceptability, terms / conditions to be quoted, and pricing. - Make sound risk and pricing decisions that achieve profitable loss ratios. - Maintain underwriting quality score of 90% or greater. Document underwriting file to support acceptability and pricing in accordance with company guidelines. - Achieve customer service standards, including established objectives for: - New business quote turnaround - Renewal quotes - Endorsement, cancellation, audits and other transactions - Policy issuance - Provide detailed issuance instructions to ensure policy is delivered consistent with quoted terms and conditions and in accordance with established guidelines relative to policy construction. - Review mid-term endorsement requests for acceptability and provide instructions for processing. - Evaluate premium audit referrals to determine class acceptability and/or appropriateness of current exposure base. Adjust current term with acceptable changes to ensure company gets timely payment of adequate premium. - Order and review inspections to confirm accounts written are consistent with preliminary underwriting information and takes action when the inspection reveals unacceptable risk characteristics. - Assist with training, mentoring and coaching of less experienced team members. - Determine if facultative reinsurance is needed and if so, factor reinsurance cost in gross pricing, complete cession procedures; documentation file, and follow established workflow procedure to ensure proper reporting / accounting. - Utilize various underwriting tools to: - Determine acceptable risk characteristics - Determine accurate exposure classifications - Set adequate property limits to accomplish appropriate insurance to value - Rate and quote business to agents - Support other underwriters as assigned when the other underwriter is traveling or out on vacation / sick time.