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Salary: USD 90,000 - 145,000 / annual
At-Bay is an InsurSec provider combining cyber insurance with cybersecurity technology to help businesses manage digital risk. The company serves 35,000+ customers and offers multiple specialty insurance lines including Cyber, Tech E&O, and Miscellaneous Professional Liability (MPL).
As an Underwriter or Senior Underwriter for MPL (West Coast Region), you will own and grow a book of business while evaluating diverse professional liability exposures. You'll balance growth opportunities with underwriting profitability and collaborate across leadership, product, and technology teams to refine underwriting appetite and improve workflows.
Key responsibilities include:
**Underwriting & Portfolio Management:**
Underwrite new and renewal MPL business by evaluating professional exposures, loss history, financial information, contractual obligations, and risk characteristics. Assess, select, price, and structure risks according to guidelines and profitability objectives. Negotiate coverage, pricing, limits, terms, and endorsements with brokers. Manage and grow a profitable book of business while monitoring portfolio trends and emerging exposures.
**Broker Relationships & Business Development:**
Build and expand relationships with retail and wholesale brokers to generate submission flow and increase market presence. Develop territory and broker engagement strategies to drive new business, retention, and GWP growth. Serve as a trusted underwriting partner delivering thoughtful solutions and exceptional service. Represent At-Bay at broker meetings and industry events. Identify cross-selling opportunities across insurance offerings.
**Strategy, Collaboration & Innovation:**
Partner with underwriting leadership to refine risk appetite, pricing strategies, and guidelines. Collaborate with product, actuarial, claims, and technology teams to improve performance. Leverage data and analytics for informed decisions. Contribute market intelligence to shape go-to-market strategy and product development. Act as an MPL subject matter expert.
**Requirements:**
- Experience underwriting Miscellaneous Professional Liability (MPL), Professional Liability (E&O), or closely related specialty commercial insurance products
- Strong understanding of professional liability exposures, coverage forms, policy terms, exclusions, pricing considerations, and risk selection
- Demonstrated ability to evaluate risks, exercise sound underwriting judgment, and balance growth with profitability
- Experience developing and managing broker relationships with a commercial mindset and track record of driving new business
- Strong analytical, negotiation, and communication skills; ability to articulate underwriting decisions and collaborate effectively
- Comfortable using technology, data, and analytics to improve underwriting decisions and operational efficiency
- Highly accountable and detail-oriented with ownership mentality
- Entrepreneurial mindset and interest in building and scaling insurance products in a fast-paced environment
- Team-first approach with ability to share knowledge and collaborate across functions
