Job description
Join ApexGuard Insurance, a leading provider of commercial risk solutions. We are seeking a Senior Insurance Underwriter to join our New York team. You will evaluate and underwrite complex commercial risks, shaping pricing, terms, and coverage in collaboration with brokers and clients.
In this role you will leverage your analytical acumen and market knowledge to deliver accurate risk assessment, innovative coverage solutions, and exceptional client service. You will thrive in a fast-paced environment and contribute to portfolio profitability and growth.
What makes this opportunity special is the chance to lead underwriting decisions, mentor junior underwriters, and collaborate with actuaries and claims professionals to optimize risk selection and pricing strategies.
Responsibility
- Underwrite and analyze commercial lines risks including property, casualty, and specialty forms with precision and speed.
- Collaborate with brokers and clients to gather complete information and clarify coverage needs.
- Review policy terms, exclusions, and rating factors to develop accurate pricing and terms.
- Monitor portfolio performance, identify concentration risk, and adjust underwriting guidelines accordingly.
- Provide loss-prevention recommendations and risk improvement strategies to insureds.
- Mentor and coach junior underwriters; contribute to training programs and knowledge sharing.
- Ensure compliance with state regulations, internal policies, and audit readiness across all submissions.
- Partner with claims, actuarial, and product teams to optimize pricing, terms, and product offerings.
Qualification
- Bachelor's degree in finance, risk management, business, or a related field.
- Minimum 5 years of commercial lines underwriting experience in a mid to large carrier or brokerage environment.
- Proven knowledge of commercial insurance products, rating tools, and underwriting guidelines.
- Strong analytical and financial acumen with proficiency in data analysis and risk assessment.
- Excellent communication, negotiation, and client-management skills.
- Proficiency with underwriting platforms and Microsoft Excel; familiarity with commercial rating software preferred.
- Professional certifications such as CPCU, AIC, or ARM are a plus.
- Detail-oriented, collaborative, and able to thrive in a fast-paced environment.