Senior Underwriter, Innovation Economy

Job Type:

Build a brilliant future with Hiscox
 

Senior Underwriter, Innovation Economy

Role Overview:

As a Senior Underwriter, you will be a key member of the Underwriting team with a primary focus on broker relationship management and new business generation across multiple industry verticals, including Fintech, Enterprise Software, Health & Life Sciences, and Consumer Products & Hardware.

In this role, you will underwrite larger and more complex accounts across a variety of commercial insurance lines while serving as a trusted underwriting partner to both existing and newly appointed brokers. You will be responsible for developing strong distribution relationships, securing high-quality submissions, and driving profitable growth across all verticals.

Over time, you will help shape underwriting strategy, contribute to underwriting guidelines and playbooks, and partner closely with Account Management and leadership to manage and grow the overall book of business. As the portfolio matures, you will increasingly focus on up-market opportunities and strategic broker relationships.

Key Responsibilities:

Underwriting & Portfolio Management:

• Underwrite complex commercial accounts across one or more of the following disciplines: Property & Casualty, Management Liability, Cyber, and/or E&O

• Evaluate risk, structure coverage, and price accounts in accordance with underwriting guidelines and appetite

• Manage a profitable and diversified book of business across multiple industry verticals

• Contribute to the development, refinement, and implementation of underwriting guidelines and best practices

• Partner with Account Management to ensure strong retention, renewals, and overall client experience

Broker Relationship Management & Business Development:

• Serve as a primary underwriting point of contact for assigned brokers, building long-term, consultative relationships

• Actively drive new business submissions from existing, newly appointed, and future broker partners

• Support the onboarding and development of new broker relationships, including education on appetite, products, and underwriting approach

• Collaborate with distribution partners to expand capabilities and identify new growth opportunities across all verticals

• Represent the underwriting team externally through broker meetings, presentations, and industry engagement

Leadership & Strategic Contribution:

• Act as a senior underwriting resource and mentor to junior underwriters and advisors

• Contribute to underwriting playbooks, training materials, and internal knowledge sharing across verticals

• Provide market feedback and insight to leadership on broker trends, competitive dynamics, and emerging risks

• Support brand-building efforts through thoughtful underwriting, broker engagement, and consistent execution

Qualifications & Experience:

• 5+ years of commercial underwriting experience in one or more of the following areas:

  • Property & Casualty

  • Management Liability (D&O, EPL, Fiduciary)

  • Cyber

  • Errors & Omissions

• Proven experience underwriting complex or middle-market accounts

• Demonstrated ability to build and maintain broker relationships and generate new business

• Strong risk assessment, decision-making, and communication skills

• Comfortable operating in a fast-growing, entrepreneurial underwriting environment

• Experience working across multiple industries or verticals strongly preferred

What Success Looks Like in This Role:

• Consistent flow of high-quality submissions from broker partners

• Profitable growth across multiple verticals

• Strong broker satisfaction and engagement

• Sound underwriting decisions aligned with appetite and strategy

• Meaningful contribution to underwriting culture, discipline, and execution

Hiscox Values:

At Hiscox our spirit is in Challenging Convention and everything we do is guided by our Values.  

• Courage: Dare to take a risk 

• Human: Clear, fair & inclusive 

• Ownership: Passionate, commercial & accountable 

• Integrity: Do the right thing, however hard 

• Connected: Together, build something better 

What Hiscox USA Offers:

• Competitive salary and bonus (based on personal & company performance) 

• 401(k) with competitive company matching 

• Comprehensive health insurance, vision, dental and FSA plans (medical, limited purpose, and dependent care)  

• Company paid group term life, short- term disability and long-term disability coverage 

• 24 Paid time off days, 2 Hiscox Days, 10 paid holidays, and ability to purchase 5 PTO days 

• Paid parental leave 

• 4 week paid sabbatical after every 5 years of service 

• Financial Adoption Assistance and Medical Travel Reimbursement Programs 

• Annual reimbursement up to $600 for health club membership or fees associated with any fitness program 

• Company paid subscription to Headspace to support employees’ mental health and wellbeing 

• Recipient of 2024 Cigna’s Well-Being Award for having a best-in-class health and wellness program 

• Dynamic, creative and values-driven culture 

• Modern and open office spaces, complimentary drinks 

**Please note that this position is hybrid and requires two (2) days in our office weekly**

Salary range: $100-$140k

The actual salary for this position will be determined by a number of factors, including the scope, complexity and location of the role; the skills, education, training, credentials and experience of the candidate; and other conditions of employment.

About Hiscox:

As an international specialist insurer, we are far removed from the world of mass market insurance products. Instead, we are selective and focus on our key areas of expertise and strength - all of which is underpinned by a culture that encourages us to challenge convention and always look for a better way of doing things.

We insure the unique and the interesting. And we search for the same when it comes to talented people. Hiscox is full of smart, reliable human beings that look out for customers and each other. We believe in doing the right thing, making good and rebuilding when things go wrong. Everyone is encouraged to think creatively, challenge the status quo and look for solutions.

Scratch beneath the surface and you will find a business that is solid, but slightly contrary. We like to do things differently and constantly seek to evolve. We might have been around for a long time (our roots go back to 1901), but we are young in many ways, ambitious and going places.

Some people might say insurance is dull, but life at Hiscox is anything but. If that sounds good to you, get in touch.

About Hiscox USA:

Hiscox USA was established in 2006 to focus on the needs underserved and specialty commercial clients via both the regional broker and direct distribution channels and is today the fastest-growing business unit within the Hiscox Group. Today, Hiscox USA has a talent force of about 400 employees mostly operating out of 6 major cities - New York, Atlanta, Dallas, Chicago, Los Angeles and San Francisco. Hiscox USA offers a broad portfolio of commercial products, including technology, cyber & data risk, multiple professional liability lines, media, entertainment, management liability, crime, kidnap & ransom, commercial property and terrorism.

You can follow Hiscox on LinkedIn, Glassdoor and Instagram (@HiscoxInsurance)

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