Binding Authority Underwriter

Key Responsibilities

Underwriting & Risk Assessment

• Underwrite new business, renewals, endorsements, and complex personal lines risks within established underwriting authority.

• Analyze exposures, loss history, inspections, valuations, catastrophe exposure, and risk characteristics to determine coverage structure and pricing.

• Review carrier guidelines and marketplace appetite to identify optimal placement strategies.

• Prepare competitive quotations and communicate coverage recommendations, terms, and conditions to retail agency partners.

• Maintain accurate underwriting documentation and file records.

Business Development & Relationship Management

• Develop, manage, and expand relationships with retail insurance agents, brokers, and carrier partners.

• Generate new business opportunities through agency prospecting, relationship-building activities, and market development initiatives.

• Establish a consistent pipeline of new submissions and actively cultivate producer relationships.

• Identify opportunities to increase premium volume and expand agency partnerships.

• Represent the organization at agency meetings, networking events, conferences, and industry functions.

Book Growth & Portfolio Management

• Build a profitable High-Net-Worth Personal Lines portfolio from the ground up.

• Drive annual premium growth through new business production and agency development efforts.

• Monitor portfolio performance, profitability, retention, and production metrics.

• Partner closely with leadership to execute growth strategies and expand market presence throughout targeted territories.

Account Management

• Manage accounts throughout the policy lifecycle, including endorsements, inspections, renewals, and policy servicing activities.

• Coordinate with internal teams, carrier partners, and retail agents to ensure timely policy issuance and exceptional customer service.

• Review inspection recommendations and follow through on underwriting requirements.

Products & Coverages

The book includes placements for:

• High-value homes and luxury residential properties

• Historic homes, condominiums, and penthouses

• Homes owned by trusts, LLCs, and corporations

• Multiple-home portfolios

• Course of construction risks

• CAT-exposed properties

• Flood, Earthquake, Wildfire, and Hurricane exposures

• Luxury, exotic, and collector automobiles

• Private aviation risks

• Luxury yachts and personal watercraft

• Fine art, jewelry, wine, and collectible schedules

• Umbrella and excess liability coverage

• Employment Practices Liability (EPL)

• Directors & Officers and Fiduciary Liability for nonprofit organizations

Required Qualifications

• 3+ years of insurance experience in one or more of the following:

  • Personal Lines Underwriting

  • Binding Authority Underwriting

  • Wholesale Brokerage

  • Personal Lines Brokerage

  • High-Net-Worth Personal Lines

  • Private Client Insurance

• Experience developing relationships with insurance agents, brokers, or carrier partners.

• Experience marketing business to carriers and negotiating coverage solutions.

• Working knowledge of Personal Lines products and coverages.

• Demonstrated ability to build, maintain, and grow business relationships.

• Strong verbal, written, and presentation skills.

• Ability to manage multiple priorities in a fast-paced production environment.

Preferred Qualifications

• Wholesale brokerage experience.

• Experience working with High-Net-Worth or Private Client business.

• Experience with Scottsdale and other E&S or specialty carrier markets.

• Knowledge of West Coast Personal Lines markets and catastrophe-exposed risks.

• Existing retail agency relationships.

• Proven track record of new business production and premium growth.

• Bachelor's degree preferred.