Job Description

Job Description

About the Underwriter Position

At WAIC, we do things differently. With fewer than 25 employees, we’re more like a family than a corporation. We foster a collaborative, engaging work environment where individual contributions are valued, and we invest in our employees’ success. We believe in underwriting with intelligence and creativity - our philosophy is to find ways to say "yes" when it makes sense, rather than following rigid rules.

We’re looking for an Underwriter who shares our mindset—someone who is intellectually curious, adaptable, and eager to grow within a company that values expertise over titles.

What You’ll Do

• Analyze new business submissions and renewals to determine risk acceptability and pricing.
• Apply underwriting guidelines (not just rules) to craft profitable solutions.
• Collaborate with agents to strengthen relationships and develop new business.
• Maintain and manage an assigned book of business, with account sizes ranging from $25,000 to $4 million.
• Assist in reporting and analyzing data on assigned accounts.
• Review and approve policies and endorsements issued by assistants.
• Ensure underwriting quality by adhering to company standards and turnaround times.
• Report directly to the Chief Underwriting Officer while also working closely with the CEO on strategic underwriting decisions.

What We’re Looking For

• No degree required. We care about what you know and how you think, not where (or if) you went to school.
• 2-5 years of underwriting experience. Experience as an underwriting assistant or equivalent may be counted towards some of this required experience.
• Background in commercial underwriting preferred but not required. We are not seeking experience in high-volume, commodity-type insurance (e.g., homeowners, auto).
• Military experience is highly valued and may be considered toward applicable underwriting experience.
• Strong analytical and problem-solving skills.
• Excellent communication and relationship management abilities.
• Strong proficiency in Microsoft Office Suite , including:
  • Word (document creation, reporting, executive summaries)
  • Excel (data analysis, formulas, charting)
  • PowerPoint (presentation design, animations, transitions)
  • Outlook & Teams (email, scheduling, virtual collaboration).
• Desire to thrive in a collaborative, fast-paced environment.

Work Environment & Perks

Salary Range: $65,000-$95,000

This position includes details on salary and benefits in compliance with state and local pay transparency laws. Please be aware that salaries for this role may differ among individuals based on factors such as location, personal skills and qualifications, education, certifications, experience, job performance, and potential for revenue generation.

• Hybrid Schedule: Three days per week in our Owings Mills office (mandatory in-office on Mondays and Thursdays; staff splits Tuesdays and Wednesdays in-office/WFH).
• Compressed Work Schedule (CWS) Option: Work an extra hour Monday-Thursday and get every other Friday off.
• Competitive Salary + Full Benefits Package , including 401(k), health insurance, PTO, and more.
• Work Environment : This role is primarily located in a standard office environment with minimal noise, occasional light lifting, and sitting at a desk for extended hours.
• Unique Benefits: Each employee gets one additional paid day off annually to volunteer at a charity of their choice.

Company Description

Westminster American Insurance Company (WAIC) is a well-capitalized, specialized commercial property insurer, providing coverage across 12 states. We have a strong foundation as a boutique insurer, specializing exclusively in habitational and office risks - including apartments, condo associations, office buildings, and mixed-use properties. We take a disciplined underwriting approach and prioritize compliance, regulatory excellence, and financial strength. We are seeking top-tier talent to join our team in shaping the future of WAIC.

If you're looking for a high-impact role with leadership visibility, we encourage you to apply!

Company Description

Westminster American Insurance Company (WAIC) is a well-capitalized, specialized commercial property insurer, providing coverage across 12 states. We have a strong foundation as a boutique insurer, specializing exclusively in habitational and office risks - including apartments, condo associations, office buildings, and mixed-use properties. We take a disciplined underwriting approach and prioritize compliance, regulatory excellence, and financial strength. We are seeking top-tier talent to join our team in shaping the future of WAIC.\r\n\r\nIf you're looking for a high-impact role with leadership visibility, we encourage you to apply!