Original listing text, shown exactly as published by the company.
The Role
This is an exciting opportunity to build and own the product and underwriting engine of SafetyCulture Care - a Lloyd’s Coverholder MGA writing commercial property and GL across 10 states. This role will be accountable for book quality, profitability, underwriting authority, and product development.
What you'll be doing
- Own underwriting decisions within binding authority, including referral approvals, exception handling, and appetite framework maintenance
- Design and execute property insurance programs covering CAT strategy, reinsurance structures, portfolio pricing, and risk appetite
- Research, develop, and file new products and enhancements across ISO and proprietary forms, endorsements, and underwriting guidelines in multiple states
- Develop and maintain policy forms across all lines, including coverage carve-outs, enhancements, and protective language
- Work with capacity partners and reinsurers to set pricing strategy and risk assessment standards for programs and individual referrals
- Monitor production, rate adequacy, loss ratios, and risk quality, then recommend and implement adjustments to pricing and underwriting strategy
- Navigate ISO and other regulatory service organizations for form filings, rule updates, and multi-state compliance
- Build and maintain underwriting tooling including raters, eligibility engines, pricing worksheets, and AI triage, and QA new implementations
- Own E&S placement infrastructure including market relationships, placement workflows, and servicing processes
- Act as primary technical authority for carrier relationships, binder compliance, capacity expansion conversations, and competitive intelligence to recommend product solutions and appetite expansions
About you
What you bring
- Takes clear ownership of book performance and acts without waiting to be told when something needs fixing
- Commercially minded, balancing coverage quality with portfolio economics
- Constructive on appetite, pushing back where needed but actively finding a path to yes
- Communicates technical content clearly to non-underwriting audiences
- Comfortable with evolving scope and wearing multiple hats in a startup environment
Technical Skills
- Commercial lines underwriting depth across CPP, GL, and commercial property, from small business through mid-market
- Property program management covering CAT strategy, reinsurance structures, TIV monitoring, and portfolio pricing
- Multi-state product filing and ISO regulatory navigation across proprietary and standard forms
- E&S / surplus lines market experience, including Lloyd's or non-admitted paper
- Experience providing business requirements to tech teams for rating automation and platform builds
- Analytical ability to interpret loss trends, rate adequacy, and production data
- CPCU strongly preferred; ARM, ASLI, or AU a plus
AI & Tooling
- Uses AI tools daily to accelerate triage, form analysis, research, and drafting workflows
- Can evaluate AI-generated underwriting outputs and translate underwriting logic into buildable tool specifications
Requirements
- Licensing: Active P&C license required; KS/MO or surplus lines licensing preferred; Lloyd's Coverholder experience a plus…
