Underwriter

As an Underwriter at HabPro Insurance, your primary responsibilities include generating and analyzing accounts, underwriting risks, and communicating with brokers for both new and renewal business. You'll be instrumental in negotiating pricing, evaluating coverage options, and maintaining thorough documentation of underwriting files. Additionally, you'll monitor claim activity and collaborate closely with company leaders to handle larger accounts efficiently.

To qualify for the Underwriter position at HabPro Insurance, you should have 3-5 years of commercial property and casualty underwriting experience. While a bachelor’s degree in risk management or a related field is preferred, a multi-line P&C background and the ability to forge strong relationships with brokers and carriers are also critical. A P&C license is required or must be obtained within the first 90 days of employment.

Success as an Underwriter at HabPro Insurance relies on strong written and verbal communication skills, the ability to negotiate and influence outcomes, and a knack for working effectively in a fast-paced environment. Familiarity with risk assessment and the intricacies of property and casualty insurance will also play a significant role in your day-to-day functions.

The Underwriter position at HabPro Insurance is hybrid, which means you will work 2-3 days each week onsite at our Conshohocken office. This setup allows you to enjoy the flexibility of remote work while also collaborating closely with your team, engaging with brokers face-to-face, and participating in strategic discussions that can enhance your contributions to the organization.

At HabPro Insurance, an Underwriter can expect a career path ripe with growth opportunities. With a culture focused on professional development and success, you can advance by taking on additional responsibilities, mentoring new staff, engaging in specialized training, and even pursuing leadership positions within the underwriting team or wider organization. This supportive environment is ideal for those looking to build a long-term career in insurance.

When addressing your experience in commercial property and casualty underwriting, focus on specific roles you've held, the types of risks you've assessed, and your approach to evaluating complex accounts. Highlight achievements, such as successful negotiations or relationship-building with brokers, to demonstrate your effectiveness in the role.

In answering how you manage and prioritize multiple underwriting tasks, discuss strategies you’ve employed such as creating to-do lists, utilizing task management tools, or establishing clear deadlines. Share examples of successful time management in high-pressure situations to showcase your organizational skills and ability to remain calm under pressure.

When discussing your negotiation approach with brokers, emphasize the importance of building rapport and understanding their needs. Talk about specific techniques you use, such as active listening, presenting value-based arguments, and finding common ground to foster mutually beneficial agreements.

In your response about risk assessment, outline the key factors you evaluate such as property location, market conditions, and historical claim data. Provide examples of how you analyze this information to make informed underwriting decisions while balancing risk with potential profitability.

When describing a challenging underwriting situation, aim to detail the problem clearly, your analysis of the issue, and the steps you took to resolve it. Focus on your critical thinking and problem-solving abilities, showcasing how you turned a potential loss into a successful outcome.

Elaborate on the significance of documentation in underwriting by discussing how it contributes to transparency, risk management, and accountability. Highlight the need for thorough documentation in tracking decisions, maintaining compliance, and facilitating future underwriting processes.

Convey your strategies for staying updated with industry trends and changes, such as attending professional development workshops, subscribing to insurance industry publications, and participating in networking events. Emphasize your commitment to continuous learning and adapting to evolving market conditions.

Discuss essential metrics you consider when pricing insurance policies, such as loss ratios, risk classifications, and market comparisons. Talk about how you apply these metrics to ensure competitive yet sustainable pricing that aligns with both agency and client expectations.

When addressing conflict resolution, focus on your collaborative approach. Describe steps you take to understand different perspectives, seek solutions that benefit all parties, and maintain professionalism. Emphasize your communication skills as a means to diffuse tension and build stronger relationships.

In answering why you want to work for HabPro Insurance, connect your personal values and career goals with the company's mission and culture. Talk about your enthusiasm for the underwriting field, your desire to contribute to a reputable organization, and how you see yourself fitting into their team-oriented environment.