LIO Specialty, Sr. Underwriter - General Casualty

Summary / Objective

The Sr. Underwriter supports the profitable development of General Casualty business and helps manage relationships with assigned wholesale partners. Drawing on 3–5 years of P&C underwriting experience, the incumbent exercises sound underwriting judgment within established authority levels, escalating complex or non-standard risks as needed, and serves as a collaborative partner across Underwriting, Actuarial, Reinsurance, Systems, Claims, and Legal functions. The individual supports underwriting aspects of assigned wholesale relationships — including market visits, product presentations, and portfolio performance.

Essential Duties & Functions:

• Serve as an underwriting contact for brokers and insureds on eligibility, coverage, endorsements, billing, and policy interpretation.

• Articulate and demonstrate LIO's product differentiation and underwriting appetite to wholesale partners and prospective accounts.

• Select, price, quote, and decline new and renewal business in accordance with company underwriting guidelines and established authority levels, escalating complex or high-value risks to senior underwriting staff as needed.

• Monitor an assigned book of business, identifying and flagging concentration or loss trends to leadership.

• Utilize dashboards and reporting tools to track production, losses, and risk metrics.

• Review and analyze referrals, loss history, financial statements, and other underwriting documents to evaluate risk quality and completeness.

• Participate in broker visits to support and strengthen wholesale relationships and present products.

• Collaborate cross-functionally with Actuarial, Claims, Legal, and Reinsurance to support underwriting strategy and appetite.

• Leverage AI-powered underwriting tools and data analytics to support risk evaluation and help identify emerging trends across the assigned book.

• Participate in special projects and other duties as assigned.

LIO LIFE — What We Value:

• The Customer Lens -- Prioritizing our relationships, service, and needs of our customers.

• Innovative Thinking -- Fostering an environment that empowers and sustains bold thinking and actions.

• Balance -- Creating an inclusive, diverse, and holistic balance to meet our personal and professional needs.

• Simplicity -- Striving for simplicity in our service, products, and processes.

• Accountability -- Owning our results and learning from them.

Qualifications:

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Demonstrated ability to manage an assigned book of business with general supervision.

• Solid knowledge of General Casualty lines (commercial LRO, habitational, hospitality, vacant land, and related specialty classes).

• Strong analytical skills with the ability to interpret loss data, trends, and financial information to support sound risk decisions.

• Developing track record of building productive wholesale broker relationships.

• Excellent written and verbal communication skills; able to convey underwriting rationale clearly to internal and external stakeholders.

• Strong interpersonal and organizational skills; comfortable operating with a degree of independence within defined authority levels.

• Project management skills — able to prioritize, plan, and execute in a fast-paced, entrepreneurial environment.

• Proficiency in underwriting systems and technology; strong Microsoft Office skills (Outlook, Word, Excel).

• Ability to thrive in a virtual, global organization and effectively manage competing priorities.

Required Education and Experience:

• Bachelor's Degree.

• 3–5 years of underwriting experience in the Property/Casualty industry, with exposure to commercial casualty lines.

• Demonstrated experience underwriting within an assigned book of business under general supervision.

Preferred Education and Experience:

• Previous specialty or E&S market underwriting experience.

• Experience with wholesale/surplus lines distribution.

• Insurance coursework or continuing education in casualty lines.

Additional Eligibility Requirements (Certificates, Licenses, Required/Preferred):

• AINS, CPCU, AU, or other insurance designations preferred.

LIO Life — Our Benefits:

LIO offers a comprehensive benefits package designed to support your health, financial security, and work-life balance. Benefits are effective on your date of hire.

• Medical, Dental, Vision, and Prescription coverage.

• Health Savings Account (HSA), Flexible Spending Account (FSA), and Dependent Care Assistance Program (DCAP).

• Employer-paid Life & AD&D, Short-Term Disability, and Long-Term Disability.

• Voluntary Life & AD&D insurance.

• 401(k) Retirement Savings plan.

• Flexible Time Off.

• Employee Assistance Program (EAP).

• Voluntary Pet Insurance.

• Career development and growth opportunities.

Work Environment:

This job operates in a professional office environment. This role routinely uses standard office equipment.

Position Type / Expected Hours of Work:

This is a full-time position. Expected days and hours of work are Monday through Friday, 8:30 a.m. to 5:00 p.m. This position may require extended hours and occasional weekend work based on business need.

Travel:

As needed to develop and maintain relationships with wholesale partners.

EEO Statement:

LIO Insurance provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, creed, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state, or local laws. This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation, and training.

Other Duties:

Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties, or responsibilities that are required of the employee for this job. Duties, responsibilities, and activities may change at any time with or without notice.