Junior Underwriter

MSIG USA continues to grow!

Company Overview

MSIG USA is the US-based subsidiary of MS&AD Insurance Group Holdings, Inc., one of the world’s top P&C carriers and a global Class 15 insurer, with A+ ratings and a reach that spans 40+ countries and regions. Leveraging our 350-year heritage, MSIG USA brings the financial strength, expertise, and global footprint to offer commercial insurance solutions that address your business’s unique risks.

Summary/Job Purpose

The Junior Underwriter is responsible for underwriting and servicing Excess Casualty business on a nationwide basis in accordance with Corporate goals and objectives.

Essential Functions

• Underwrites and services Excess Casualty risks within underwriting authority. Monitors underwriting results, premium and loss trends within assigned book of business.
• Reviewing submissions to determine acceptability of risk in accordance with Company guidelines and standards.
• Perform all aspects of the underwriting process and due diligence including review and analysis of financial documents and individual risk factors.
• Applying appropriate pricing techniques according to company filings and state/bureau conformance.
• Working with brokers and clients to create customized insurance solutions.
• Documents accounts in accordance with regulatory and internal underwriting guidelines.
• Analyzes Policy forms and endorsement requests from brokers.
• Assists in establishing and executing effective and efficient broker and client visits (with appropriate business units – Risk Engineering, Claims and Marketing Representatives) in order to maintain existing, and increase new, business.
• Performs other duties as assigned.

Supervisory Responsibilities

This position has no supervisory responsibilities.

Qualifications: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Education and Experience Required

• High school degree (or GED) required. Bachelor’s degree preferred
• 1-2 years insurance experience is preferred, including 2+ years in an Underwriting Assistant / Associate role is preferred or applicable industry experience.
• Knowledge of underwriting and rating principles, guides, policy forms, rating manuals and statutory regulations is required.
• Excellent written and verbal communication skills
• Effective negotiation skills
• Good organization skills

Other Skills and Abilities Required

Excellent Organizational and computer skills

20% travel.


Salary: The base pay range is $790,000.00 - 105,000.00 . Salary determinations are based on various factors, including but not limited to, relevant work experience, skills, certifications and location.

Additional Benefits

Healthcare and Retirement Benefits

• Comprehensive medical, dental, and vision coverage
• 401(k) with a generous employer match and profit-sharing contribution
• Wellness incentive program
• Life and accidental death and dismemberment (AD&D) insurance
• Flexible spending programs
• Short-term and long-term disability plans

Additional Benefit Programs

Paid time off program

Paid charitable leave

Paid parental leave

Tuition reimbursement program

Personal insurance (auto/homeowners) discounts

#LI-Hybrid


It's an exciting time for our company and a great opportunity to join a financially sound and growing global insurance group!

It is the policy of MSIG USA to provide equal employment opportunity (EEO) to all persons regardless of age, color, national origin, citizenship status, physical or mental disability, race, religion, creed, gender, sex, sexual orientation, gender identity and/or expression, genetic information, marital status, status with regard to public assistance, veteran status, or any other characteristic protected by federal, state or local law. In addition, MSIG USA will provide reasonable accommodations for qualified individuals with disabilities.