Job description
NovaGuard Insurance Group is hiring a Senior Insurance Underwriter to join our NYC hub. You will assess complex risks, structure competitive policy terms, and collaborate with sales and claims teams to optimize profitability and client satisfaction. The ideal candidate blends analytical rigor with practical risk management, and thrives in a fast paced, client focused environment.
What you will do as a key member of our underwriting team includes evaluating new applications, pricing risk, negotiating coverage terms, and ensuring policy compliance. You will leverage data analytics to drive risk selection and maintain strong relationships with brokers and clients.
We offer a premium benefits package, competitive compensation, and clear pathways for professional growth in a supportive, inclusive culture.
Responsibility
- Analyze complex risk profiles and determine policy terms, coverage limits, and pricing.
- Review and approve new applications while ensuring regulatory compliance and internal guidelines.
- Collaborate with brokers, actuaries, and claims teams to optimize risk selection and portfolio profitability.
- Develop and maintain underwriting guidelines, templates, and decision matrices.
- Mentor junior underwriters and support analysts to build a high-performing team.
- Utilize data analytics and analytics tools to identify trends and improve pricing accuracy.
- Communicate clearly with clients and brokers, explaining terms and negotiating coverage details.
Qualification
- Bachelor's degree in finance, economics, or related field; professional designations such as CPCU or CPIA preferred.
- Minimum 5 years of underwriting experience in commercial or specialty lines of insurance.
- Strong knowledge of underwriting principles, policy language, and regulatory requirements.
- Proficiency with data analysis, Excel, and underwriting software; experience with SQL is a plus.
- Excellent written and verbal communication and negotiation skills.
- Strong risk assessment abilities and attention to detail with a client-centric mindset.
- Ability to work independently and as part of a cross-functional team in a fast-paced environment.