• Sr Underwriter (Auto / Homeowner)

    Location US-TX-Richardson
    Job ID
  • Summary

    Esurance is hiring for a new position as we're growing our Underwriting team.  As a Senior Underwriter you are accountable for reviewing new policy submissions to verify that the risk qualifies for the product, is priced adequately, and all required documentation to support the risk has been obtained. You will periodically review policies through the policy lifecycle to confirm eligibility for the product, pricing and documentation with the intent to make sure policies in the portfolio are profitable. In addition, you will lead the research and execution to resolve complex situations that arise such as Department of Insurance complaints and large loss reviews and acts as a technical resource for less experienced associates. 


    The ideal candidate will have both home and auto underwriting experience.


    • Reviews and evaluates policy applications, renewals, repricings, restrictions, and cancellations to determine risk acceptability and coverage
    • Works within multiple states underwriting guidelines and state regulations
    • Performs quality evaluation of data received from 3rd party vendors
    • Conducts frequent evaluations of the profitability of the portfolio through various reporting
    • Determines when additional required information is needed to complete the evaluation of the risk
    • Ensures appropriate premium and coverage are issued by applying appropriate underwriting guidelines and rating plan guidelines
    • Answers questions regarding underwriting processes and decisions
    • Researches and executes solutions for complex cases including large loss reviews and Department of Insurance complaints.
    • Acts as the first point of escalation for questions from junior associates and provides guidance as needed
    • Conducts training for new team members
    • Mentors Underwriters and Associate Underwriters in technical and professional skills
    • Writes process documentation for new or updated processes
    • Assists with special projects


    • Expertise on esurance property product and platforms
    • Strong analytical skills are a must
    • Solid computer skills and use with MS Office Products
    • Intermediate to advance knowledge of MS Excel is a must
    • Ability to resolve complex underwriting issues within state regulatory guidelines independently
    • Expertise with property and casualty insurance terminology
    • Strong communication and decision making skills
    • Excellent verbal, written, and interpersonal skills a must
    • Ability to interface with diverse employee and customer groups is essential

    Experience / Education:

    • Bachelor's degree in Business, a related field or equivalent education required
    • 5 or more years of insurance underwriting experience or applicable experience required; experience in underwriting auto or property insurance policies for different states preferred
    • CPCU designation or P&C License desired


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