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Delos Insurance Solutions is a technology-forward insurance company focused on the Excess & Surplus (E&S) market, reimagining specialty insurance through automation and data-driven underwriting of complex risks.
You will serve as a Personal Lines Property Underwriter, responsible for evaluating new business and renewal submissions, assessing residential property risks, and maintaining strong relationships with appointed agents. This role balances profitable risk selection with business growth in a fast-paced, technology-driven environment.
Key Responsibilities:
Underwriting & Risk Assessment: Review and underwrite new business and renewal submissions for homeowners and residential property lines. Manage daily underwriting activities including inspection reviews, endorsements, and system-generated tasks. Assess property risk characteristics according to established guidelines and company risk appetite. Identify and select profitable risks while minimizing adverse selection. Meet or exceed production and quality standards. Exercise assigned underwriting authority to approve minor exceptions (one class deviation or one guideline exception where permitted), and escalate exceptions outside your authority to a Senior Underwriter.
Agent Communication & Collaboration: Serve as a primary underwriting resource for appointed agents, answering questions and clarifying guidelines. Provide timely, accurate, and professional communication to agents, distribution partners, and internal stakeholders. Partner with the Distribution team to support agent training and underwriting education. Collaborate with internal teams to improve underwriting efficiency and service quality.
Underwriting Guidelines & Process Improvement: Provide feedback on underwriting guidelines based on market conditions and emerging risks. Support development and implementation of underwriting referral and authority protocols. Contribute to underwriting training materials, workflow enhancements, and process improvements. Complete underwriting projects of low to moderate complexity as assigned.
Required Qualifications:
- 3–5 years of property underwriting or related personal lines insurance experience, preferably in homeowners, dwelling fire, or residential property
- Strong understanding of underwriting principles, risk assessment, and risk selection, or relevant experience in claims, insurance customer service, or related functions
- Demonstrated ability to evaluate risks, apply underwriting guidelines, and make sound decisions within assigned authority
- Strong communication and interpersonal skills with a customer-service mindset
- Experience using underwriting platforms, exposure assessment tools, or business intelligence dashboards
- Ability to manage multiple priorities, meet deadlines, and collaborate effectively
- Strong attention to detail, analytical thinking, and sound judgment in balancing risk and business objectives
- Proficiency in Microsoft Office applications (Excel, Word, PowerPoint) and Adobe
Preferred Qualifications:
- Active Property & Casualty (P&C) insurance license in any state; California license strongly preferred
- Professional insurance designations such as CPCU or ARM
- Familiarity with California property underwriting practices and guidelines
- Experience evaluating catastrophe-exposed risks (wildfire, hurricane, natural hazards)
- Experience in Managing General Agency (MGA), Excess & Surplus (E&S), or non-admitted insurance environments
- Exposure to commercial property underwriting
- Interest in leveraging technology, automation, and data to improve underwriting processes
- Understanding of how climate trends and emerging risks impact the insurance industry
