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Are you looking to make an impactful difference in your work, yourself, and your community? Why settle for just a job when you can land a career? At ICW Group, we are hiring team members who are ready to use their skills, curiosity, and drive to be part of our journey as we strive to transform the insurance carrier space. We're proud to be in business for over 50 years, and its change agents like yourself that will help us continue to deliver our mission to create the best insurance experience possible.

Headquartered in San Diego with regional offices located throughout the United States, ICW Group has been named for ten consecutive years as a Top 50 performing P&C organization offering the stability of a large, profitable and growing company combined with a focus on all things people. It's our team members who make us an employer of choice and the vibrant company we are today. We strive to make both our internal and external communities better everyday! Learn more about why you want to be here!

PURPOSE OF THE JOB

The purpose of the underwriter is to classify and price risks in order to profitably grow a specialty area of insurance. This position exists to evaluate risks and create coverage that satisfies both the company and its clients.

ESSENTIAL DUTIES AND RESPONSIBILITIES

Take responsibility for profitable growth of a specialty area of insurance business.

+ Accept, modify, or reject risks based on a review of business in terms of loss experience, inspection reports, file information, web resources, policyholder tenure, and related policies.

+ Classify nature of risk in accordance with Company guidelines, standards, and compliance with state laws.

+ Interpret policy contract language/forms and use approved classification systems, rating plans and selection standards to determine eligibility, desirability, and proper classification/pricing.

+ Inform management of weakness in coverage and/or products that are adversely impacting growth potential.

+ Gather pertinent competitive information to assist in developing recommendations to product development.

Evaluate routine business for risk acceptability; matching price to exposure, loss frequency and severity for profitability, and rating plans/modifications for renewal retention.

+ Provide documentation for any exceptions to established guidelines and critical account information relating to the final Underwriting decision.

+ Verify coverage eligibility.

+ Communicate effectively via phone calls and email to gather and analyze necessary information critical to the Underwriting process.

+ Occasionally go out on field visits to create new business opportunities and improve policy renewal retention.

+ Maintain Underwriting quality standards.

+ Develop a strong understanding of modeling systems.

+ Analyze modeling results to support Underwriting decisions.

+ Place facultative reinsurance according to Company guidelines.

Establish collaborative relationships with agencies/producers to understand the external marketplace and underwrite within established performance standards.

+ Effectively communicate decisions and resolve agent/customer concerns promptly.

+ Provide technical assistance to internal and external customers regarding coverage interpretations, policy and endorsement provisions, and Underwriting acceptability for specialty area coverages.

+ Develop collaborative working relationships with assigned agents providing excellent customer service.

+ Visit each assigned broker a minimum of two times a year.

+ Attend marketing events that may be organized by the Company.

+ Provide feedback gathered from marketing activities to management through marketing call reports.

+ Participate in Underwriting and production presentations when approved by management.

_In addition to the core underwriting responsibilities outlined above, this role will support Flood insurance underwriting as part of ICW Specialty’s Excess & Surplus business._

Flood specialization responsibilities include:

+ Underwrite Flood risks within ICW Specialty’s underwriting guidelines, appetite, and authority, with accountability for profitability, growth, and underwriting discipline.

+ Focus on wholesale distribution, serving as a primary point of contact and trusted advisor to wholesale brokers within assigned territories.

+ Evaluate complex Flood submissions, including analysis of exposure, loss potential, modeling outputs, and reinsurance considerations.

+ Apply Flood-specific policy forms, endorsements, rating plans, and eligibility requirements in compliance with regulatory and underwriting governance standards.

+ Manage a personal Flood book of business, monitoring performance metrics and adjusting underwriting strategies to support profitable growth.

+ Develop and maintain strong broker relationships through regular communication, strategic planning discussions, and in-person broker visits aligned with annual marketing plans.

+ Collaborate with Distribution, Product, and Reinsurance partners to support market development, identify growth opportunities, and address competitive positioning.

+ Represent ICW Specialty in broker meetings, industry events, and conferences as appropriate.

+ Provide technical guidance related to Flood coverage interpretation, underwriting acceptability, and risk selection to internal and external partners.

SUPERVISORY RESPONSIBILITIES

This role does not have supervisory responsibilities.

EDUCATION AND EXPERIENCE

+ Bachelor’s degree in Business, Accounting, Statistics, or related field.

+ Minimum 1-5 years of experience underwriting in a specialty area.

+ Demonstrated experience with automated underwriting systems.

CERTIFICATES, LICENSES, REGISTRATIONS

None required.

KNOWLEDGE AND SKILLS

+ Knowledge of and application of fundamental Underwriting concepts, practices, and procedures in area of specialization.

+ Ability to read, analyze, and interpret technical instructions. Ability to search for and find programming information on the Internet and resolve complex programming challenges.

+ Ability to breakdown complex ideas into simple concepts and present this information in small group meetings.

+ Must be able to write programming documentation for technical and non-technical individuals.

+ Demonstrated ability to present complex data/information to varied audiences.

+ Proven organizational, analytical and time management skills.

+ Demonstrated ability to negotiate, influence, and close deals.

+ Excellent interpersonal skills.

PHYSICAL REQUIREMENTS

Office environment – no specific or unusual physical or environmental demands and employees are regularly required to sit, walk, stand, talk, and hear.

WORK ENVIRONMENT

This position operates in an office environment and requires the frequent use of a computer, telephone, copier, and other standard office equipment.

We are currently not offering employment sponsorship for this opportunity.

#LI-Hybrid #LI-JF1

The current range for this position is

$78,678.61 - $132,686.15

This range is exclusive of fringe benefits and potential bonuses. If hired at ICW Group, your final base salary compensation will be determined by factors unique to each candidate, including experience, education and the location of the role and considers employees performing substantially similar work.

WHY JOIN ICW GROUP?

+ Challenging work and the ability to make a difference

+ You will have a voice and feel a sense of belonging

+ We offer a competitive benefits package, with generous medical, dental, and vision plans as well as 401K retirement plans and company match

+ Bonus potential for all positions

+ Paid Time Off

+ Paid holidays throughout the calendar year

+ Want to continue learning? We’ll support you 100%

_ICW Group is committed to creating a diverse environment and is proud to be an Equal Opportunity Employer. ICW Group will not discriminate against an applicant or employee on the basis of race, color, religion, national origin, ancestry, sex/gender, age, physical or mental disability, military or veteran status, genetic information, sexual orientation, gender identity, gender expression, marital status, or any other characteristic protected by applicable federal, state or local law._

At ICW Group we offer a work environment that encourages entrepreneurialism and celebrates success. Our team members are hands-on contributors who are given the opportunity to make an impact. It's our people who make us an employer of choice and the vibrant company we are today.

Job Category:** **DIC, Underwriting

Job Type:** **Full time

Req ID:** **JR101052