• Lead Underwriter

    Location US-TX-Richardson | US-CA-Rocklin | US-SC-Greenville | US-SD-Sioux Falls
    Job ID
  • Summary

    Esurance is looking for a Lead Underwriter to join a dynamic and award-winning team of individuals who are committed to making insurance smarter, easier, and dare we say- cooler. As part of a growing company that is focused on providing an outstanding customer experience, you’ll have the opportunity to expand your skills and discover your potential.


    If you’re looking for a career at a socially conscious company that offers great benefits — including matching 401k and tuition reimbursement — then you may have just found your new home. 


    Esurance combines the spunk of a startup company with the backing of Allstate (the largest publicly held personal lines insurer in the U.S.) to create a unique, energized, and exciting place to work. 


    The Lead Underwriter will be 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. The underwriter 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. The Lead Underwriter will serve as the underwriting trainer and subject matter expert.


    Job Responsibilities:

    • 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
    • Provides guidance and assistance to underwriting team members
    • Trains team members and serves as a resource to the team in the resolution of complex problems and issues.
    • Provides back up support to Manager
    • May be asked to lead departmental projects and assist on cross functional project teams




    • 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
    • Experience with property and casualty insurance terminology
    • Strong communication and decision making skills and ability to train others
    • 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 required; experience in underwriting property insurance policies for different states preferred
    • CPCU designation or P&C License desired



    At Esurance, being committed to our employees is not just something we say, it’s something we do. Our benefits package is designed to help our associates stay healthy, meet their long-term financial goals, and balance the demands of work and personal life. Esurance rewards hard work, dedication, and creativity with competitive salaries and a generous bonus system. We are committed to our employees and we are dedicated to creating a diverse, positive, innovative and team-oriented work environment.

    Health & wellness

    • Medical, vision, and dental insurance
    • Life insurance (company-paid and supplemental)
    • Accidental death and dismemberment coverage
    • Wellness coaching and incentives
    • Group critical illness coverage
    • Accident indemnity and hospital indemnity plans
    • Group legal


    • 401(k) plan with annual matching contribution
    • Referral bonuses
    • Performance-rewarding bonus system
    • Tuition assistance program (up to $5,250 per year)
    • Health savings and flexible spending accounts
    • Commuter benefits

    Family & Community

    • Adoption assistance
    • Maternity leave
    • Buckle Up Baby program
    • Pet insurance discount
    • Charitable gift matching
    • Give Time, Get Time volunteer program
    • Employee Assistance Program

    Time off

    • Short-term disability
    • Long-term disability (employee-paid option)
    • Paid time off (holidays, vacation, personal choice days)


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