Underwriter (Property & Casualty)

Job Summary

Review applications for insurance and evaluate applications to determine whether to accept or decline coverage based on established underwriting guidelines. Determine the level of coverage to be offered and appropriate pricing based on the exposures presented and individual risk characteristics. Assess excessive risks and determine value of policy to ensure safe and profitable distribution of risks. Become familiar with various commercial insurance applications and industry terminology.

Position Responsibilities

• Adhere to underwriting guidelines and execute underwriting and pricing strategies to maintain profitability goals. Use level of authority to accept, reject, or mitigate risk for applications.
• Approve or decline insurance applications within certain limits and issue coverage and prepare referral submission for risks exceeding individual authority.
• Ensure that underwriting activities comply with all industry and government regulations.
• Documentation of Underwriting files including risk analysis and pricing justification in accordance with established underwriting standards.
• Offer recommendations to clients on insurance applications to reduce exposure to excessive risk.
• Collaborate closely with the underwriting team to finalize insurance applications efficiently.
• Utilize multiple databases to gather and verify supplementary data for submissions and leverage specialized software to compare risks ensuring accurate policy pricing.
• Respond to customer needs, providing guidance and assistance tailored to their insurance needs.
• Process accounts from approved quotes through to policy issuance with accuracy and efficiency.

Minimum Qualifications

• Bachelor's degree required
• 1-5 years P&C underwriting or related insurance experience required
• CPCU, CIC, CRIS, Property & Casualty Brokers License, etc. a plus
• Strong customer service experience
• Proficiency in Microsoft Office Suite and ability to quickly learn industry-specific software
• Ability to work collaboratively with team members and other departments
• Strong desire to learn, explore new ideas, and seeking out new knowledge
• Ability to be flexible, embrace change, and quickly pivot in response to shifting priorities
• Willing to work hybrid out of our Los Angeles or Carlsbad office

Pay and benefits

The starting annual pay scale for this position is listed below. Actual starting pay will be based on factors such as skills, qualifications, training, and experience. In addition, the company offers comprehensive benefits including medical, dental and vision insurance, 401(k) plan with match, paid time off, and other benefits.

ISC's salary ranges are determined by role and level. The range displayed on each job posting reflects the minimum and maximum target for new hire salaries for the position across all US locations and could be higher or lower based on a multitude of factors, including job-related skills, experience, and relevant education or training.

National Pay Range $57,000—$100,000 USD

Benefits of Working at ISC

• Employee Ownership Program - every eligible employee shares in the financial rewards that grow when the company grows
• Professional development opportunities
• Owner Referral Program
• Work from home reimbursement for remote/hybrid roles
• Canary emergency financial assistance program
• Comprehensive medical, dental, vision
• Life/AD&D Insurance
• Confidential, Employee Assistance Program
• Health Savings Account, includes company contribution
• Short-term disability
• Voluntary benefits - supplemental accident, critical illness, hospital insurance
• Employee discounts
• 401(k) Plan with company match contribution
• Addition Wealth Financial Wellness Program
• Various Time Off Programs
• 11 company paid holidays

Applicants may contact the ISC HR department via e-mail or phone to request and arrange for an accommodation that will allow the applicant to successfully complete the application process. Applicants needing assistance may request accommodation at any time. Please contact ISC at or.

ISC believes in creating long-term relationships by being responsive and relevant and by consistently delivering value to our community of customers. Specifically, we focus on attracting, developing, and retaining the best talent for our business, challenging our people, demonstrating a "can-do" attitude, and fostering a collaborative and mutually supportive environment.