At DUAL North America, our core values dictate how we live and work. We are a group with independence and people at its heart and we are a home for talent with a unique culture: the biggest small company in the world.
The focus on being a People First business has always been at the very heart of the Group; Our vision was to create an independent business with a unique culture and one that would survive and thrive as a business controlled by the people working for it. And finding the most talented and entrepreneurial people to join the Group has been and will continue to be key.
DUAL North America, Inc. is seeking a
Senior Underwriter E&S Commercial AutoClassification: Exempt/Full-Time
Reports to: EVP Commercial Auto
Travel: Up to 5% or more
Salary: $150,000 to $175,000
Location: United States, Remote/Hybrid
Role overview
DUAL North America is seeking a Senior Underwriter for the Commercial Auto Division.
At DUAL, Sr. Underwriters play a key role in shaping the underwriting framework, developing and managing a portfolio of complex risks, and expanding broker relationships. In this role, you will provide technical expertise to evaluate insurance submissions, balancing risk exposure, coverage needs, risk pricing, and profitability.
Leading and collaborating with a team of underwriters in the Commercial Auto Division, you will take a lead role in evaluating commercial auto business risks, making pricing and risk selection decisions, developing broker relationships, and achieving book growth and profitability objectives. This role requires an analytical mindset, strong communication skills, ability to develop broker relationships, and the ability to tailor coverage and pricing solutions for diverse risks in a highly dynamic market.
Role responsibilities
Underwrite complex insurance risks within granted level of authorities by identifying and analyzing risk exposures, loss frequency and severity against desired coverage.
Use appropriate pricing procedures and rules to develop rates which are adequate to offset risk exposure and ensure book profitability.
Develop and maintain full knowledge of all forms, coverages, rating models, and manuals for the specific line being underwritten.
Make sound risk selection decisions, balancing exposure, coverage, limits, and pricing.
Ensure submissions meet underwriting standards and risk information is adequate to underwrite and price for exposure and avoid unknown exposures.
Curate a portfolio of business in accordance with Underwriting Guidelines and prescribed pricing tools.
Identify changes in account/ market risk exposures and loss trends to maximize profitability.
Work with Commercial Auto EVP to define and execute team production goals.
Review referrals from Underwriters and Associate Underwriters.
Provides technical guidance, coaching, and mentoring to others on the team and within the company; may formally manage direct reports but is not required.
Execute on annual new and renewal business goals by achieving agreed premium targets and hitting quote numbers with desired hit ratios and/or retention ratios.
Foster relationships with key producers by traveling to connect and attend events/meetings as needed.
Gather and compile information required to quote and/or bind an account.
Demonstrate advanced understanding of technical underwriting principles and risk underwriting in the Commercial Auto line of business which could include key components of risk factors and how these progress over time, understanding basic exclusions and understanding more nuanced risks as well; may begin expanding knowledge of other risk classes and lines of business as well.
Keep up to date on market dynamics, competitive landscape, and product differences - communicate market intelligence to the broader group.
Negotiate with producers within the limits of delegated authority and in accordance with established underwriting standards to achieve profit objectives.
Follow Commercial Auto Underwriting Guidelines and operate within defined authority as outlined in LOA.
Key requirements
Bachelor’s degree in risk management, finance, business, or a related field preferred.
5–8 years of relevant underwriting experience.
Professional certifications such as CPCU, AU, similar designations, or equivalent experience preferred.
In-depth understanding of technical underwriting and pricing principles and risk assessment.
Strong analytical, negotiation, and decision-making skills.
Proven ability to manage and build broker and client relationships.
Proficiency in Microsoft Office Suite (Word, Excel, Outlook, PowerPoint).
Demonstrated ability to handle complex risks with sound judgment.
Highly self-motivated with strong attention to detail.
Ability to travel up to 10% as required for client meetings, conferences, or industry events.
Must be able to remain in a stationary position approximately 50% of the time, with occasional movement throughout the office to access files and equipment.
If you do not meet all the qualifications for this role, we still encourage you to apply, as we are always looking for diverse talent to join our growing team.
About DUAL
Working across 21 countries, DUAL has built a reputation as a specialist underwriting group and the market of choice for insurance intermediaries around the world. That’s how we have become one of the world’s largest international underwriting agencies (or MGAs) with US$3.5bn of GWP.
DUAL North America is the leading underwriting organization in the US offering commercial property, casualty, financial lines, and personal property insurance products underwritten through several specialized subsidiaries. Since 2013, we have grown to over 650 employees in 14 offices across the US, and we are continuing to grow.
DUAL is part of Howden, an international insurance group with employee ownership at its heart. The group was founded in 1994 and now has divisions in broking and underwriting, operates in 55 territories and employs over 19,000 people handling US$42bn of premium on behalf of clients.
What do we offer in return?
A career that you define.
Yes, we offer all the usual rewards and benefits - including medical, dental, vision, a wide variety of wellbeing offers, competitive salary, unlimited PTO, 401k with company match, paid volunteer days and more.
What you might not expect is a job where everyone has a voice, where volunteering in the community is part of the day job, and where everyone is encouraged to play a part towards our sustainability goals. We want people who want to make a difference - not just in the workplace, but in the industry and in the wider community.
Our culture: people first
Our core values dictate how we live and work. We’re a group with independence and people at its heart and we’re a home for talent with a unique culture: the biggest small company in the world.
The focus on being a people-first business has always been at the very heart of the group; Our vision was to create an independent business with a unique culture and one that would survive and thrive as a business controlled by the people working for it. And finding the most talented and entrepreneurial people to join the group has been and will continue to be key.
Diversity and inclusion
At DUAL, we consider our people our chief competitive advantage and, as such, we treat colleagues, candidates, clients and business partners with equality, fairness and respect, regardless of their age, disability, race, religion or belief, gender, sexual orientation, marital status or family circumstances.
What we offer:
A career that you define. Yes, we offer all the usual rewards and benefits - including medical, dental, vision, a wide variety of wellbeing offers, competitive salary, unlimited PTO, 401k with company match, paid volunteer days and more.
We provide an environment where new ideas are encouraged and celebrated, where people who want to have a real hand in our success thrive. We want people who want to make a difference - not just in the workplace, but in the industry and in the wider community.
EEO Statement:
We consider our people our chief competitive advantage and as such we treat colleagues, candidates, clients, and business partners with equality, fairness, and respect. DUAL North America provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state, or local laws. This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation, and training. DUAL will ensure that individuals with disabilities are provided reasonable accommodation to participate in the job application or interview process, to perform essential job functions, and to receive other benefits and privileges of employment.