Job description
NovaGuard Insurance Group is hiring a Senior Insurance Underwriter to join our New York City team. As a key member of our underwriting function, you will evaluate complex commercial lines, determine coverage terms, and set pricing that aligns with our risk appetite and profitability goals. You will collaborate with brokers and internal stakeholders to deliver competitive, compliant policies that meet client needs.
We offer a dynamic, inclusive culture, opportunities for professional growth, and a comprehensive benefits package.
Responsibility
- Underwrite complex commercial lines (property, casualty, and specialty) to ensure accurate risk selection and pricing.
- Evaluate exposures, review loss runs, and determine policy terms, conditions, and endorsements.
- Collaborate with brokers to obtain complete submissions and negotiate terms that balance risk and client needs.
- Develop and maintain pricing models and rating plans using internal systems and market data.
- Ensure adherence to underwriting guidelines, regulatory requirements, and company risk appetite.
- Mentor junior underwriters and provide timely feedback on file quality and decision rationale.
- Drive renewal strategies and client retention through proactive risk assessment and service excellence.
- Contribute to portfolio management by monitoring profitability and trend indicators.
Qualification
- Bachelor’s degree in Finance, Risk Management, or related field.
- Minimum 5 years of commercial lines underwriting experience with a proven track record.
- Strong knowledge of P&C products, rating frameworks, and coverage forms.
- Proficiency with underwriting software, data analytics tools, and advanced Excel skills.
- Excellent communication, negotiation, and relationship-building abilities.
- Active P&C insurance license or willingness to obtain; CPCU, ARM, or similar certification is a plus.
- Analytical mindset with ability to interpret loss runs, financial statements, and exposure data.
- Ability to work cross-functionally in a fast-paced, client-focused environment.