Underwriter (Property & Casualty)

About Integrated Specialty Coverages

Integrated Specialty Coverages, LLC (ISC) is a growth stage technology and data-driven commercial MGA and insurance wholesaler leading innovation in the market.

Backed by one of the leading private equity firms, Onex Partners, and led by a forward-thinking management team, ISC is combining the worlds of insurance and technology to create an Insurtech powerhouse. As a leading online distributor of insurance products for a range of industries and “Main Street USA”, we are looking for the right people to help us in our mission of achieving exponential growth. We strive to be the number one place to go for brokers and agents to source insurance. To accomplish this, we’re building a digitally focused team that deeply understands the intersection between user experience, data, and AI/ML to optimize the way we engage with our customers and partners.

Job Summary

Review applications for insurance and evaluate applications to determine whether to accept or decline coverage based on established underwriting guidelines. Determine the level of coverage to be offered and appropriate pricing based on the exposures presented and individual risk characteristics. Assess excessive risks and determine value of policy to ensure safe and profitable distribution of risks. Become familiar with various commercial insurance applications and industry terminology.

Position Responsibilities

Adhere to underwriting guidelines and execute underwriting and pricing strategies to maintain profitability goals. Use level of authority to accept, reject, or mitigate risk for applications.

Approve or decline insurance applications within certain limits and issue coverage and prepare referral submission for risks exceeding individual authority.

Ensure that underwriting activities comply with all industry and government regulations.

Documentation of Underwriting files including risk analysis and pricing justification in accordance with established underwriting standards.

Offer recommendations to clients on insurance applications to reduce exposure to excessive risk.

Collaborate closely with the underwriting team to finalize insurance applications efficiently.

Utilize multiple databases to gather and verify supplementary data for submissions and leverage specialized software to compare risks ensuring accurate policy pricing.

Respond to customer needs, providing guidance and assistance tailored to their insurance needs.

Process accounts from approved quotes through to policy issuance with accuracy and efficiency.

Minimum Qualifications

Bachelor’s degree required

1-5 years P&C underwriting or related insurance experience required

CPCU, CIC, CRIS, Property & Casualty Brokers License, etc. a plus

Strong customer service experience

Proficiency in Microsoft Office Suite and ability to quickly learn industry-specific software

Ability to work collaboratively with team members and other departments

Strong desire to learn, explore new ideas, and seeking out new knowledge

Ability to be flexible, embrace change, and quickly pivot in response to shifting priorities

Willing to work hybrid out of our Los Angeles or Carlsbad office

The starting annual pay scale for this position is listed below. Actual starting pay will be based on factors such as skills, qualifications, training, and experience. In addition, the company offers comprehensive benefits including medical, dental and vision insurance, 401(k) plan with match, paid time off, and other benefits.

ISC's salary ranges are determined by role and level. The range displayed on each job posting reflects the minimum and maximum target for new hire salaries for the position across all US locations and could be higher or lower based on a multitude of factors, including job-related skills, experience, and relevant education or training.

National Pay Range$57,000—$100,000 USD

Benefits of Working at ISC

Employee Ownership Program - every eligible employee shares in the financial rewards that grow when the company grows

Professional development opportunities

Owner Referral Program

Work from home reimbursement for remote/hybrid roles

Canary emergency financial assistance program

Comprehensive medical, dental, vision

Life/AD&D Insurance

Confidential, Employee Assistance Program

Health Savings Account, includes company contribution

Short-term disability

Voluntary benefits - supplemental accident, critical illness, hospital insurance

Employee discounts

401(k) Plan with company match contribution

Addition Wealth Financial Wellness Program

Various Time Off Programs

11 company paid holidays

Applicants may contact the ISC HR department via e-mail or phone to request and arrange for an accommodation that will allow the applicant to successfully complete the application process. Applicants needing assistance may request accommodation at any time. Please contact ISC at HR@ISCMGA.com or 760-599-7242.

ISC believes in creating long-term relationships by being responsive and relevant and by consistently delivering value to our community of customers. Specifically, we focus on attracting, developing, and retaining the best talent for our business, challenging our people, demonstrating a “can-do” attitude, and fostering a collaborative and mutually supportive environment.

Diversity creates a healthier atmosphere: All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, age, gender, gender identity, sexual orientation, marital status, medical condition, genetic information, mental or physical disability, military or veteran status, or any other characteristic protected by local, state, or Federal law.

**Must be legally authorized to work in the United States.**

**ISC participates in the Federal E-Verify program**