Zenith Insurance Company (United States)

Commercial P&C Underwriting Specialist

Zenith Insurance Company (United States)

full-time

Posted on:

Location Type: Hybrid

Location: Roseville • California • United States

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Salary

💰 $117,227 - $146,534 per year

About the role

  • Solicit, underwrite, and price business consistent with the Company's Underwriting Philosophy
  • Serve as technical resource for underwriting team on Commercial underwriting guidelines, policy forms and endorsements, state regulations and rules, and policy rating process
  • Provide regional expertise on large and complex accounts
  • Leads training courses for support and professional positions
  • Manages an assigned book of Agencies including assisting in development and management of agency business plan; maintaining pricing discipline regardless of market pressure
  • Operates with increased independence, such as taking a lead role in development of agency business plans
  • Expected to be regarded as a Commercial expert by assigned agencies
  • Coordinates account activity across departments for assigned book
  • Acts as lead resource on any technical issue and SME for branch staff and agents
  • Develops relationships with agents & brokers through telephone interactions and performs external marketing activities (Agency calls, Agency meetings, Point of Sale meetings, etc.) clearly articulating and selling the Zenith difference as needed
  • Attends industry events as an advocate for Zenith's product and service
  • Responsible for proactively developing, growing, and maintaining strong agency relationships
  • Manages significant volume of large and complex commercial ag accounts in a fast-paced environment
  • Independently negotiates and secures facultative reinsurance on accounts with property exposures exceeding Zenith's reinsurance treaty
  • Independently negotiates and secures Equipment Breakdown reinsurance on accounts that exceed Zenith's in-house letter of authority
  • Expected to provide general guidance and direction to support personnel and underwriting staff
  • Acts as a mentor for new employees
  • Takes a lead role in analysis or projects involving underwriting
  • Acts as a national expert on specific subject or provide support to Corporate in the expansion of the underwriting guide or systems development or testing.
  • Work requires independence within assigned Letter of Authority; however, it is expected that one will seek guidance on any unusual or complex exposures, problems, or issues
  • May be responsible for QARs on other's work
  • Manages schedule balancing field time with in-office commitments and work autonomously
  • Proactively markets and educates agents on our products
  • Conducts formal training sessions for agents
  • Evaluates current procedures and practices, developing and implementing new and alternate methods when appropriate
  • Responsible for gathering competitive intelligence, making coverage and service recommendations that improve agency and customer engagement
  • Applies principles of logical thinking to define problems, collect data, establish facts, and draw valid conclusions
  • Works productively and harmoniously with others on a consistent basis
  • Responds positively to direction and feedback on performance
  • Consistently maintains professional and appropriate demeanor
  • Performs other duties/projects as assigned

Requirements

  • High School Diploma or equivalent combination of training/experience required
  • Bachelor’s Degree or equivalent combination of training/experience required
  • 6+ years progressively responsible related underwriting experience required
  • Expert technical knowledge of Commercial policy and underwriting rules
  • Demonstrated willingness to share knowledge with others on a daily basis
  • Understanding of Zenith's underwriting philosophy is a plus
  • Strong verbal and written communication skills required (including the ability to discern when to use telephone, email, or more formal means of communication)
  • Demonstrated presentation and negotiation skills required
  • Demonstrated ability to present persuasive verbal or written argument of all constituents (agent, peer, insured)
  • Ability to distill complex issues to clear and concise talking points to teach others
  • Strong math and reading skills required
  • Valid drivers license in good standing
  • Periodic overnight travel may be required.
  • Strong understanding of Commercial P&C products, general liability, commercial property, commercial auto and commercial umbrella lines of business
  • Ability to manage selected agencies, including the marketing role
Benefits
  • Medical, Dental and Vision Insurance
  • Flexible Spending Accounts
  • Paid Parental Leave
  • Life, AD&D and Disability Insurance
  • 401(k), Employee Share Purchase Plan (ESPP)
  • Education and Training Reimbursement
  • Paid Leave: 3 weeks/year Vacation, 2 weeks/year Sick Leave
  • 10 paid Company Holidays, 2 Personal Days, 2 Floating Holidays
  • Employee Assistance Program (EAP)
Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills & Tools
underwritingcommercial policynegotiationpresentationagency managementreinsurancedata analysiscompetitive intelligencemath skillsreading skills
Soft Skills
communicationmentoringrelationship buildingproblem solvingindependenceteam collaborationtrainingpersuasionadaptabilityprofessionalism
Certifications
High School DiplomaBachelor’s Degreevalid driver's license