Job Title: Small Business Underwriter (Artisan)
Location: Sacramento, California
Work Schedule: Hybrid (3/2)
Employment Type: Full time
Requisition Begin Date: 10/06/2026
Role Overview
Under supervision, reviews insurance applications to evaluate, classify, and rate each risk to determine acceptability, coverage, and pricing. Establishes, maintains, and develops agency and/or broker relationships. Position has defined underwriting authority and business development responsibility. Provides underwriting in single or multiple areas of liability. Performs industry-related research related to forms, rates, and legal climate and provides recommendations to underwriters and management as necessary.
Key Responsibilities
Evaluate new and renewal policy applications and related documents to classify and assess each risk, determine acceptability, assign rating, indicate endorsements and limits, and determine appropriate pricing.
Contact and respond to verbal and written inquiries from brokers within designated timeframe to provide appropriate information and serve as an underwriting resource.
Create and maintain all documentation (physical and electronic) including new and renewal bound files, underwriting worksheets, documentation of phone conversations, and other key documents according to departmental guidelines.
Adhere to all company underwriting authority directives, underwriting guidelines, and other applicable company policies and procedures.
Approve or deny within given authority or recommend approval or denial to higher authority.
Cultivate relationships with internal and external contacts to facilitate the underwriting process, promote business development, and to remain abreast of industry trends.
Serve as a resource to other departmental staff with regard to underwriting procedures and other departmental guidelines.
Develop understanding of various factors that affect and influence policy rating and risk.
What You Bring
4 Year / bachelor's degree in business administration, Accounting, Finance, a related field, or the equivalent education and/or experience
2+ Years relevant and progressive underwriting experience in specialty or related area that includes a working knowledge of state laws
Possess and have ability to apply knowledge of principles, practices, and procedures
Solid written and verbal communication skills with an emphasis on confidentiality, tact, and diplomacy
Advanced organizational and analytical skills; demonstrated ability to manage multiple tasks simultaneously
Knowledge of industry changes, legal updates, and technical developments related to applicable area of the Company's business to proactively respond to changing business environment
Intermediate proficiency and experience using Microsoft Office package (Excel, Access, PowerPoint, Word)
Preferred Skills:
Studies toward attaining a Registered Professional Liability Underwriter (RPLU), Chartered Property Casualty Underwriter (CPCU), Associate in Commercial Underwriting (AU), Certified Insurance Counselor (CIC) or equivalent insurance designation depending on specialty area
State specific insurance license depending on specialty area
Additional Working Conditions and Physical Demands
Overtime hours may be required to fulfill job responsibilities
May be required to remain stationary for extended periods of time
May be required to move up to 10 pounds
Must be able to operate a computer and other devices
Close vision and ability to adjust focus, such as required to read a computer screen
What we offer
Competitive salary and comprehensive benefits package
Strong learning culture with ongoing development opportunities
Opportunities for growth and career advancement
Comprehensive medical, vision, and dental coverage, with eligibility beginning on your first day of employment
Basic life and disability insurance
401(k) plan with 6% company match
20 days of PTO, two floating holidays, approximately 11 paid holidays, and volunteer time off
Paid parental leave
Access to our award-winning wellness program, including mental health services, fitness network membership, and a complimentary Headspace subscription
Student loan matching program
Employee discount program
An opportunity to do meaningful work and love what you do
Pay Transparency
The pay range for this position is $69,700-$104,500, which includes geographic adjustments, where applicable. The pay range is the range TMHCC, in good faith, believes is the range of compensation for this role at the time of this posting. The hired applicant will be offered pay within the entire range based on the candidate's geographic location, qualifications, work experience, education, and/or skill level. The Company is fully committed to ensuring equal pay opportunities for equal work regardless of color, race, sex, national origin, sexual orientation, religion, age, veteran status, disability, pregnancy, citizenship status, genetic information, or any other basis protected by federal, state, or local pay equity laws.
Disclaimer
As an insurance company, we comply with certain federal, state and local laws such as the Violent Crime Control and Law Enforcement Act of 1994 (18 USC 1033(e)), which restricts our ability to employ individuals with certain types of criminal convictions. Where not restricted by law and for criminal history not covered by this law, the Company will consider qualified applicants with arrest or conviction history in compliance with applicable law.
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