Small Business Underwriter

About the role

• Job Title: Small Business Underwriter (Artisan)
• Location: Sacramento, California
• Work Schedule: Hybrid (3/2)
• Employment Type: Full time
• Requisition Begin Date: 10/06/2026
• Help us insure it

Tokio Marine HCC is a global industry-leading specialty insurance group, backed by the strength and stability of the Tokio Marine Group. Offering over 100 classes of specialty insurance, we empower clients to pursue opportunities confidently through our "Mind Over Risk" philosophy. More than an insurance company, we are an organization built on innovation, unity, and trust.

At our core, we are Always Advancing, driven by innovation and an entrepreneurial spirit that keeps us moving forward. Our people are Experts in Tomorrow, using curiosity and smart working to anticipate what's next. With a culture rooted in Reaching Out, we foster genuine collaboration and support, ensuring every individual has the opportunity to succeed and make a difference.

Role Overview

Under supervision, reviews insurance applications to evaluate, classify, and rate each risk to determine acceptability, coverage, and pricing. Establishes, maintains, and develops agency and/or broker relationships. Position has defined underwriting authority and business development responsibility. Provides underwriting in single or multiple areas of liability. Performs industry-related research related to forms, rates, and legal climate and provides recommendations to underwriters and management as necessary.

Key Responsibilities

• Evaluate new and renewal policy applications and related documents to classify and assess each risk, determine acceptability, assign rating, indicate endorsements and limits, and determine appropriate pricing.
• Contact and respond to verbal and written inquiries from brokers within designated timeframe to provide appropriate information and serve as an underwriting resource.
• Create and maintain all documentation (physical and electronic) including new and renewal bound files, underwriting worksheets, documentation of phone conversations, and other key documents according to departmental guidelines.
• Adhere to all company underwriting authority directives, underwriting guidelines, and other applicable company policies and procedures.
• Approve or deny within given authority or recommend approval or denial to higher authority.
• Cultivate relationships with internal and external contacts to facilitate the underwriting process, promote business development, and to remain abreast of industry trends.
• Serve as a resource to other departmental staff with regard to underwriting procedures and other departmental guidelines.
• Develop understanding of various factors that affect and influence policy rating and risk.

What You Bring

• 4 Year / bachelor's degree in business administration, Accounting, Finance, a related field, or the equivalent education and/or experience
• 2+ Years relevant and progressive underwriting experience in specialty or related area that includes a working knowledge of state laws
• Possess and have ability to apply knowledge of principles, practices, and procedures
• Solid written and verbal communication skills with an emphasis on confidentiality, tact, and diplomacy
• Advanced organizational and analytical skills; demonstrated ability to manage multiple tasks simultaneously
• Knowledge of industry changes, legal updates, and technical developments related to applicable area of the Company's business to proactively respond to changing business environment
• Intermediate proficiency and experience using Microsoft Office package (Excel, Access, PowerPoint, Word)

Preferred Skills

Studies toward attaining a Registered Professional Liability Underwriter (RPLU), Chartered Property Casualty Underwriter (CPCU), Associate in Commercial Underwriting (AU), Certified Insurance Counselor (CIC) or equivalent insurance designation depending on specialty area

State specific insurance license depending on specialty area

Overtime hours may be required to fulfill job responsibilities

• May be required to remain stationary for extended periods of time
• May be required to move up to 10 pounds
• Must be able to operate a computer and other devices

Close vision and ability to adjust focus, such as required to read a computer screen

Competitive salary and comprehensive benefits package

• Strong learning culture with ongoing development opportunities
• Opportunities for growth and career advancement
• Comprehensive medical, vision, and dental coverage, with eligibility beginning on your first day of employment
• Basic life and disability insurance
• 401(k) plan with 6% company match
• 20 days of PTO, two floating holidays, approximately 11 paid holidays, and volunteer time off
• Paid parental leave
• Access to our award-winning wellness program, including mental health services, fitness network membership, and a complimentary Headspace subscription

• Student loan matching program
• Employee discount program
• An opportunity to do meaningful work and love what you do

Pay Transparency

The pay range for this position is $69,700-$104,500, which includes geographic adjustments, where applicable. The pay range is the range TMHCC, in good faith, believes is the range of compensation for this role at the time of this posting. The hired applicant will be offered pay within the entire range based on the candidate's geographic location, qualifications, work experience, education, and/or skill level.