Job description
Join NovaGuard Insurance Solutions, a market-leading insurer dedicated to delivering value and protection for our commercial and personal lines clients. We are seeking a detail-driven Insurance Underwriter who can balance risk with competitive pricing, maintain compliance, and build strong broker relationships in a fast-paced environment.
As part of our underwriting team, you will evaluate applications, determine risk exposure, and make data-driven decisions that support profitable growth. This is a hands-on role for a professional who thrives on solving complex problems while delivering exceptional service.
Responsibility
- Review and assess commercial and personal lines applications; issue quotes or decline when appropriate.
- Analyze risk factors, perform risk scoring, and determine coverage, terms, and pricing.
- Collaborate with brokers and agents; provide timely decisions with clear rationale.
- Apply underwriting guidelines and regulatory requirements to ensure compliance.
- Monitor portfolio risk, track renewals, and adjust terms in response to market conditions.
- Recommend policy enhancements or risk mitigations to protect clients and the company.
- Maintain accurate documentation and update policy management systems with underwriting notes.
Qualification
- Bachelor's degree in business, finance, risk management, or related field.
- 3+ years of underwriting experience in commercial or personal lines (license in applicable state preferred).
- Strong analytical and mathematical skills with proficiency in pricing and risk assessment.
- Solid knowledge of insurance regulations and compliance; ability to interpret policies.
- Excellent communication and negotiation skills; customer-focused with broker relationship experience.
- Proficiency in underwriting software (Guidewire, Applied, Epic) and MS Office; data-driven mindset.
- Detail-oriented with strong time management and ability to manage multiple cases concurrently.