Senior Commercial Underwriter

Headquartered in Tampa, Florida, in the heart of the Westshore district, Heritage Insurance Holdings is a super-regional insurer that employs over 600 people. Heritage writes almost $1 billion of residential insurance premiums annually across its multi-state footprint, reflecting substantial growth since its 2012 inception when it only operated in Florida.

Our employee-centric approach has inspired a robust wellness program, dedication to our communities and volunteering efforts, peer-to-peer support through a valued recognition program, and a generous benefits package. We will also be offering a hybrid schedule for this role.

Sr. Commercial Underwriter

Job Summary:

Be an effective member of a positive, team-oriented department. You should bring strong analytical and time management skills, and a willingness to learn and adapt as the insurance environment changes.

Essential Duties and Responsibilities:

• Effectively manages the assigned underwriting territory in terms of profitability and growth, including analyzing agency performance regarding quality and quantity of submission activity and overall profitability.

• Reviews applications for insurance coverage, reports from loss control consultants and other information to determine if application is acceptable for the program(s) available.

• Develops, implements and monitors business plans of agents, addressing market focus, growth and profit.

• Evaluate the experience of a risk under review. Maintains quality, selection and pricing standards.

• Evaluate the loss potential due to catastrophe, severity, and/or frequency.

• May rate policies or check previously rated policies for proper rating.

• Utilizes knowledge of available systems to develop information for new or renewal policies.

• Answers questions from agents, policyholders, or prospects.

• Accepts and binds insurance within underwriting authority.

• Communicates with co-workers, management, clients, vendors, and others in a courteous and professional manner.

• Communicates with co-workers, management, clients, vendors, and others as needed in a courteous and professional manner.

• Maintains the integrity of the company and products offered by complying with federal and state regulations as well as company policies and procedures.

• May perform other duties and responsibilities as assigned.

Job Qualifications:

• Associate's Degree required; Bachelor’s Degree preferred

• Two or more years Commercial Underwriting experience with a domestic property insurance company required; Florida property experience a plus

• Knowledge of departmental regulations and policies and standard accepted underwriting practices

• Proficiency with Microsoft Office products required; internet research tools preferred

• Demonstrated customer service focus / superior customer service skills required

• Excellent communication skills and ability to interact on a professional level with internal and external personnel

• Resourceful and skilled in gaining consensus to solve problems

• Results driven with strong problem solving and analytical skills

• Ability to work independently in a fast-paced environment; and manages changing priorities effectively

• Detail-oriented and exceptionally organized

• Collaborative partner; ability to contribute to a positive work environment

General Information:

All employees must pass a pre-employment background check. Other checks may be needed based on position: driving history, credit report, etc.

The preceding job description has been designed to indicate the general nature of work performed; the level of knowledge and skills typically required; and usual working conditions of this position. It is not designed to contain, or be interpreted as, a comprehensive listing of all requirements or responsibilities that may be required by employees in this job. Nothing in this job description restricts management’s right to assign or reassign duties and responsibilities to this job at any time.

Heritage Insurance Holdings, Inc. is an Equal Opportunity, Affirmative Action Employer. We will not discriminate unlawfully against qualified applicants or employees with respect to any term or condition of employment based on race, color, national origin, ancestry, sex, sexual orientation, age, religion, physical or mental disability, marital status, place of birth, military service status, or other basis protected by law.

Job Type: Full-time

Benefits:

• 401(k)
• Dental insurance
• Health insurance
• Life insurance
• Paid time off
• Vision insurance

Schedule:

• Monday to Friday

Work Location: Hybrid remote in Tampa, FL 33607