If you’ve ever wondered what it’s like to work in the world of excess & surplus underwriting, buckle up. It’s a fast-paced, problem-solving role that thrives on creativity and collaboration. While our jobs share similarities with independent agents, we operate in a unique space. We don’t compete against standard markets. We partner with a different set of carriers to craft solutions for risks that don’t fit the traditional mold.

Every Day Brings Something New

E&S underwriters see unusual, complex, and sometimes downright “crazy” risks every single day. From niche businesses to unconventional exposures, no two accounts are alike. That’s what makes this role exciting, we’re constantly challenged to think outside the box.

The Underwriting Process: More Than Just Numbers

Here’s what a typical day looks like:

• Start with the Submission: We review your submission carefully to identify missing information and request it immediately. The more details you provide, the better we can serve you. If there are red flags, we’ll let you know early so we can set realistic expectations and work together on solutions. This commercial lines submission checklist is a great place to start!
• Quarterback the Account: If your account is better suited for another department, we’ll take the lead and route it to the right place. Our goal is to keep the process smooth and efficient.
• Research, Research, Research: We dig deep, using Google, social media, crime scores, assessor sites, and other resources to understand the risk thoroughly. Every detail matters.
• Match the Risk to the Right Carrier: Each carrier has its own guidelines, underwriting requirements, and comfort levels. We review these carefully to determine the best fit for your insured. This step can be challenging, but it’s where our expertise shines.
• Evaluate Pricing: Using internal tools, we assess price competitiveness to ensure your client gets the best possible terms.
• Negotiate and Innovate: We propose terms or consult directly with carrier underwriters to negotiate and find creative solutions. Flexibility is key in E&S underwriting.
• Deliver and Adjust: Once terms and conditions are released to you, we remain engaged, adjusting as needed to meet your client’s needs.

Not All MGAs Are Created Equal

Here’s something important to remember: two quotes from the same carrier can look very different depending on the MGA. Underwriters can add forms, exclusions, and rate things differently. That’s why it’s critical to understand the quote in front of you. Our commitment is simple: Do the right thing for the customer.

We Love a Challenge

Got a tough risk? Call us. We love to play “stump the broker,” and help solve your clients’ unique needs. Creativity and collaboration are at the heart of what we do.