Program Underwriter

The Program Underwriter independently evaluates, prices, quotes, and binds new and renewal business assigned public entity programs. This position manages an assigned book of business and ensures underwriting decisions comply with program guidelines, pricing objectives, coverage requirements, reinsurance terms, and delegated authority. The Program Underwriter serves as a technical resource for the Programs team and works closely with agents, members, reinsurers, excess carriers, and internal business units. The position also supports underwriting systems, quality control, training, and process improvements that promote accurate and efficient underwriting and policy administration. This hybrid role is based out of our St. Charles, IL office, with three days in office. The salary range is $85,000 - $90,000 annually. We typically target the midpoint of our range, and pay will be based on relevant experience.

What You'll Do:

• Evaluate, price, quote, and bind new and renewal business within delegated underwriting authority, including determining appropriate pricing, coverage terms, and underwriting requirements.
• Analyze exposures, loss history, applications, financial information, coverage terms, and risk management information to make sound underwriting decisions.
• Manage an assigned renewal book and new-business pipeline, maintaining accurate documentation and escalating risks requiring management, reinsurance, or excess carrier review.
• Underwrite and provide technical guidance across assigned coverages, including Workers’ Compensation, Liability, Property, Cyber, Auto, Crime, and other specialty coverages.
• Oversee policy administration, including binding, issuance, endorsements, cancellations, reinstatements, and resolution of discrepancies.
• Build strong relationships with agents, members, brokers, carriers, and internal teams, participating in renewals, meetings, presentations, audits, reporting, and program activities.
• Serve as a subject matter expert for underwriting systems, reviewing and testing rating, quoting, coverage configurations, forms, workflows, and policy output for accuracy.
• Support continuous improvement by developing underwriting guidelines, procedures, training resources, and recommendations that improve pricing, systems, workflows, accuracy, and efficiency.

Your Background:

• Minimum of five years of commercial property and casualty underwriting experience.
• Demonstrated experience independently managing a book of business.
• Working knowledge of commercial property and casualty coverages and underwriting principles.
• Strong analytical, critical-thinking, decision-making, and communication skills.
• Proficiency with Microsoft 365, particularly Excel, Outlook, Teams, and Word.
• Ability to work independently and collaboratively while maintaining accuracy and meeting deadlines.

Bonus Points:

• Bachelor’s degree in Insurance and Risk Management, Finance, Business Administration, Economics, Actuarial Science, or a related field, or an equivalent combination of education and experience.
• Underwriting public entities, governmental risks, multiple property, and/or casualty lines.
• Experience with public entity pools, self-insurance programs, or alternative risk programs.
• Experience with reinsurance or excess carrier referrals.
• Origami Risk or a comparable underwriting and policy administration platform.
• System testing, data validation, workflow development, or underwriting quality control.
• CIC, CPCU, ARM, AU, or another relevant insurance designation.

Perks & Benefits:

• Flexible working hours, including Summer Fridays
• Generous Time off - 20 days of PTO, paid holidays, paid Birthday off
• Medical, dental, and vision coverage on day one of full-time employment, including telemedicine
• Paid Parental Leave for both Moms and Dads
• 401k match
• Professional development support and a Linkedin Learning subscription
• Life Insurance, Short term, and long-term disability on day one of full-time employment and paid for by IPMG

About IPMG:

Insurance Program Managers Group (IPMG) is a growing insurance organization built on strong relationships, collaboration, and doing right by our clients and our people. We believe that from the front desk to the CEO’s office, everyone plays an equally important role in providing the highest level of service to our clients and independent agent and broker partners. We take great pride in our people and that pride is reflected every day in the commitment and effort given by our team. Our hiring process is designed to be a two-way conversation. After your application is received, the process begins with a 20-minute phone conversation to get to learn about your experience, goals, and what you’re looking for next. If that goes well, the next step is a conversation with the hiring manager, and in some cases, other team members. Here you will dive deeper into the role, the team, and how you’d make an impact at IPMG. Candidates that are selected and hired will need to submit to substance, credit, and criminal background screenings. IPMG is an Equal Opportunity Employer - M/F/D