Senior Construction Underwriter

Role Details

Job Title: Senior Construction Underwriter-Middle Market Focus

Location: Remote

Reports To: Vice President

Employment Type: FTE

About Us

Help us insure it. Tokio Marine HCC is a leading global specialty insurance group, backed by the strength and stability of the Tokio Marine Group. With more than 50 years of sustained growth and profitability, and offices across the United States, the United Kingdom, Europe, and other international locations, we offer more than 100 classes of specialty insurance—covering everything from the crops that feed us and the concerts that entertain us to rescuing travelers abroad.

Guided by our Mind Over Risk philosophy, we empower clients to pursue opportunities with confidence while fostering a culture rooted in innovation, collaboration, and trust. Always Advancing , we embrace an entrepreneurial spirit; as Experts in Tomorrow , we anticipate what's next; and by Reaching Out , we build genuine connections that enable our people and our business to thrive.

Role Overview

We are seeking an experienced E&S Construction Underwriter to develop and manage a profitable middle-market construction book of business . The ideal candidate brings at least 5 years of E&S construction underwriting experience , with demonstrated success underwriting larger, more complex contractor accounts and managing a meaningful book of business.

This role requires a strong production and business-development mindset . You will actively market to brokers, build relationships, identify new opportunities, and independently develop and grow an assigned territory. Success in this role requires an underwriter who can operate with minimal supervision , make sound underwriting decisions, and take ownership of profitable book growth.

Ideal Candidate Profile

• Senior-level underwriter with the potential to exceed the minimum qualifications.
• Minimum of 5 years underwriting E&S (Excess & Surplus/non-admitted) construction business.
• Experience underwriting middle-market construction accounts rather than small business/artisan accounts.
• Demonstrated ownership of a sizeable book of business, ideally $3M-$5M or more.
• Experience marketing to brokers and developing business relationships.
• Ability to work independently and build a territory with minimal supervision.

Technical / Business Requirements

• Must have E&S construction underwriting experience.
• Middle-market focus with average premium sizes generally around $18K-$25K (up to ~$100K).
• Not seeking candidates whose experience is primarily small business/artisan, where average premiums are approximately $1,300.
• Should understand and manage larger, more complex accounts.

Key Responsibilities

• Evaluate new and renewal policy applications and related documents to classify and assess each risk, determine acceptability, assign rating, indicate endorsements and limits, and determine appropriate pricing.
• Contact and respond to verbal and written inquiries from brokers within designated timeframe to provide appropriate information and serve as an underwriting resource.
• Create and maintain all documentation (physical and electronic) including new and renewal bound files, underwriting worksheets, documentation of phone conversations, and other key documents according to departmental guidelines.
• Adhere to all company underwriting authority directives, underwriting guidelines, and other applicable company policies and procedures.
• Approve or deny within given authority or recommend approval or denial to higher authority.
• Cultivate relationships with internal and external contacts to facilitate the underwriting process, promote business development, and to remain abreast of industry trends.
• Serve as a resource to other departmental staff with regards to underwriting procedures and other departmental guidelines.
• Develop understanding of various factors that affect and influence policy rating and risk.

Competencies

• Planning: Follow work plans, established timelines, and predefined goals for assigned work; meet commitments on deadlines.
• Communication: Communicate activities, results, and observations with employees and management as appropriate.
• Cost Management: Identify areas for improvement in existing business practices; perform work thoroughly in a cost-efficient manner and at a high productivity level.
• Business Controls and Policies: Comply with all corporate policies and procedures; report any breakdowns in controls to management; conduct all activities in a safe manner.
• People Management: No people management responsibility.

What You Bring

• Bachelor's degree or the equivalent education and/or ex