Explore rewarding Senior Property & Casualty Underwriter jobs, a pivotal and high-impact career path within the commercial insurance sector. Professionals in these senior roles are the cornerstone of profitable underwriting portfolios, specializing in assessing and pricing a wide range of commercial risks, from property damage and business interruption to public and employers' liability. This career is ideal for analytical decision-makers who excel at balancing risk with opportunity to drive sustainable business growth. The core responsibility of a Senior P&C Underwriter involves the meticulous evaluation of new business submissions and renewal accounts. This entails analyzing complex risk data, financial statements, and loss histories to make informed decisions on acceptance, declination, or modification of coverage. A significant part of the role is applying technical expertise to craft tailored insurance policies, set appropriate premiums, and negotiate terms and conditions that align with both underwriting guidelines and client needs. Beyond individual risk assessment, senior underwriters are entrusted with managing a substantial book of business, ensuring it meets or exceeds profitability targets (loss ratios) and premium growth objectives. A defining aspect of these senior positions is the strategic focus on broker and client relationship management. Senior underwriters actively cultivate and sustain partnerships with insurance brokers, serving as a key technical contact and ambassador for their company. This involves regular engagement, conducting portfolio reviews, and visiting brokers to understand their client base and market dynamics. They play a crucial role in trading—securing new business opportunities while ensuring high retention rates on existing accounts through exceptional service and technical acumen. Furthermore, Senior P&C Underwriters often provide mentorship and technical guidance to junior team members, promoting best practices and contributing to a culture of underwriting excellence. They ensure all activities adhere to strict regulatory requirements and internal compliance frameworks, maintaining the integrity of the underwriting process. Their work is deeply collaborative, requiring coordination with claims, actuarial, and senior management teams to inform strategy and portfolio performance. Typical skills and requirements for these sought-after jobs include extensive experience in commercial property and casualty underwriting, with a proven track record in handling mid-market to complex risks. Employers seek individuals with strong analytical and financial skills, superior negotiation abilities, and sharp commercial awareness. Professional qualifications such as the ACII (or equivalent) are highly valued. Successful candidates are autonomous yet collaborative, possess outstanding communication skills, and have a demonstrated ability to build lasting professional relationships. If you are a strategic thinker with a deep understanding of insurance fundamentals and a drive to shape market presence, Senior Property & Casualty Underwriter jobs offer a challenging and prestigious career at the heart of the insurance industry.
