Sr. Underwriter, Personal Lines E&S Homeowners

• Classification: Exempt/Full-Time
• Reports to: VP Underwriting, E&S Homeowners
• Travel: 20-30%
• Salary Range: $110,000.00-$130,000.00
• Location: San Diego, CA, Hybrid

Role overview

DUAL North America is seeking a Senior Underwriter for the E&S Homeowners division.

The Senior Underwriter plays a vital role in executing company strategies and producing high volume profitable risks while developing and maintaining agency relationships. The Senior Underwriter ensures adherence to underwriting guidelines, acts as a point of contact for agents and drives performance against underwriting goals and metrics.

As a Senior Underwriter within the E&S Homeowners division, you will underwrite complex risks within authority, cultivate agency partnerships in collaboration with the Distribution team, and manage portfolio profitability.

Role responsibilities

• Responsible for assessing risk, allocate rate, apply appropriate terms, and profitability growth in line with DUAL strategy.
• Emphasize production growth and retention to meet or exceed established goals.
• Perform independently using appropriate underwriting tools, rules, underwriting guidelines, and regulatory insurance laws within the assigned Level of Authority.
• Review inspections in a timely manner and identify all hazards with recommendations on how to correct or mitigate the adverse condition.
• Develop and maintain agency relationships through in person visits, phone interactions and virtual meetings with the collaboration of the Distribution team.
• Provides guidance, knowledge and development of other team members.
• Complete tasks efficiently and proactively while maintaining work and life balance.
• All round awareness of those aspects of the insurance industry that have a direct bearing on key responsibilities and accountabilities.
• Maintain superior level business relations with internal and external parties.
• Performs assigned projects and portfolio reviews.
• Maintain carrier compliance and adhere to binding authority agreements
• Establish and maintain strong relationships with key retail and wholesale agency partners, serving as the underwriting resource.
• Drive agency performance through clear appetite communication, production targets, and portfolio stewardship discussions.
• Support onboarding of new agents, including training on underwriting guidelines, product positioning, and submission expectations.

Key requirements

• Bachelor’s degree in Business preferred
• 7 years of relevant underwriting experience in California and western states
• Prior non-admitted underwriting experience preferred
• High level understanding of technical underwriting principles and risk assessment
• Strong analytical, negotiation, and decision-making skills
• High level broker/client engagement and relationships
• Proficiency in Microsoft Office Suite (Word, Excel, Outlook, PowerPoint)
• Demonstrated ability to handle complex risks with sound judgment
• Highly self-motivated with strong attention to detail
• Ability to emphasize prioritization with desk management and production goals
• Must work well in a team environment; collaboration and teamwork are at the core of the organization
• Ability to travel 20-30% as required for client meetings, conferences, or industry events
• Must be able to remain in a stationary position approximately 50% of the time, with occasional movement throughout the office to access files and equipment
• If you do not meet all the qualifications for this role, we still encourage you to apply, as we are always looking for diverse talent to join our growing team.