Temporary Associate Underwriter – Independent Contractor

An active California Property & Casualty (P&C) license is required for this position

Contract Details

• Temporary independent contractor engagement.
• Anticipated workload of approximately 30–40 hours per week.
• Contract expected to continue through December 31, 2026.
• This is a 1099 independent contractor position and is not eligible for employee benefits.

Key Responsibilities

Core Underwriting Execution

• Review, assess, and underwrite new business and renewal submissions across homeowners and other residential property lines.
• Handle ongoing underwriting work, including inspection reviews, endorsements, system tasks, and related activities.
• Meet established production expectations for the Associate Underwriter function.
• Apply sound judgment when evaluating property risk characteristics in relation to underwriting guidelines and risk appetite.
• Identify and select profitable risks aligned with company goals while avoiding adverse selection.

Authority Level

• Adhere to established underwriting and process guidelines, including applicable effective-date requirements.
• Refer guideline exceptions to an Underwriter or Senior Underwriter for approval.

Agent Communication

• Serve as an underwriting contact for appointed agents by responding to questions, clarifying risk appetite, and supporting quality submissions.
• Provide timely and professional communication to external distribution partners and internal stakeholders.
• Collaborate with the distribution team to provide underwriting support or training as needed.

Required Skills and Experience

• Active California Property & Casualty (P&C) license required.
• 2–4 years of property underwriting or related personal lines insurance experience, preferably focused on homeowners, dwelling fire, or other residential property lines.
• Experience with risk selection, underwriting execution, claims, customer service, or other related personal lines insurance functions.
• Strong communication skills with a customer-service mindset when working with agents and producers.
• Experience using underwriting platforms, exposure tools, or BI dashboards.
• Ability to manage multiple priorities and collaborate effectively.
• Strong attention to detail and sound judgment in balancing risk and business objectives.
• Proficiency with Excel, Word, PowerPoint, Adobe, and other standard business software.

Preferred Skills and Experience

• Industry designations such as CPCU or ARM.
• Familiarity with California property underwriting.
• Familiarity with wildfire, hurricane, or other catastrophe-exposed risks.
• Experience within MGA, E&S, or non-admitted environments.
• Commercial property experience.
• Interest in improving underwriting workflows and processes.
• Interest in how climate and data are reshaping insurance risk.