Underwriting Officer

Company: Liberty Mutual Insurance
Location: Plano
Posted on: May 15, 2025

Job Description:

Schedule: Full-Time Salary Range: USD $96000.00 - $350000.00 Job Category: Underwriting The typical starting salary range for this role is determined by a number of factors including skills, experience, education, certifications and location. The full salary range for this role reflects the competitive labor market value for all employees in these positions across the national market and provides an opportunity to progress as employees grow and develop within the role. Some roles at Liberty Mutual have a corresponding compensation plan which may include commission and/or bonus earnings at rates that vary based on multiple factors set forth in the compensation plan for the role. Description Liberty Mutual Mobility Solutions (LMMS) is a highly collaborative team that draws on the firm's vast commercial and personal lines capabilities to bring a full range of tailored solutions and nuanced approaches to the rapidly evolving mobility landscape. This dedicated practice combines creative commercial underwriting with product, actuarial, legal, and claims teams insights to stay ahead of market needs, anticipate emerging risks, and deliver tailored coverage and programs. Mobility Solutions was named Insurance Underwriting Team of the Year in 2020 by Business Insurance in recognition of its innovation and creativity and has become a market leader with an impressive growth and profitability trajectory over the past five years. This role reports to the Global Risk Solutions North America Sr. Director, Mobility Solutions. Mobility Solutions and works with a range of emerging, developing, and complex commercial risks to deliver primary casualty programs across various sectors of the sharing economy and new mobility ecosystem, including some of the largest and most valued clients in the company. The primary area of focus is on mobility risks across the Rideshare, Gig Delivery, Autonomous Vehicle, Vehicle Subscription, Vehicle Sharing, and Micromobility sectors. This role will work with the LMMS leadership team, GRS Legal, and other cross-functional, cross-business-unit teams to deliver technical expertise and forward-looking problem solving around emerging risk exposures that will converge as these relatively newer business models evolve and grow into platforms with material breadth and scale. This role will serve as a point of contact for the frontline underwriting teams on technical topics, questions, key decisions, and/or referrals. Responsibilities: Provides expert technical underwriting assistance and formal referral approval for multiple lines of business (auto, general liability, workers compensation) in Mobility Solutions. Interacts independently with underwriters and UW managers on mandatory referrals and voluntary consultations. Supports Sr. Director(s) on technical reviews of prioritized business sectors and/or areas of opportunity, product enhancements and controls, portfolio management, and account reviews, and serves as trusted advisor and thought leader on emerging risk exposure identification and mitigation, coverage analysis, financial and collateral analysis, and key pricing and program structure considerations. Works collaboratively with peers to proactively build and adapt underwriting positions, product needs, and underwriting guidelines; monitors evolving state regulations, legislation, key legal cases, and claims trends to enable informed perspective. Evaluates portfolio performance regularly, working with Underwriting Managers and cross-functional Senior Staff to identify drivers of performance, risks, and opportunities. Monitors frameworks for underwriting decisions (e.g., referrals, technical reviews, quality assurance) and recommends improvements, as needed. Drives UW technical excellence across Mobility Solutions, working with Underwriting Managers and cross-functional Senior Staff to identify and resolve issues. Works with Underwriting Managers and cross-functional Senior Staff to identify product and services enhancements, underwriter capability development opportunities (e.g., skills, tools), and UW process, technology and data needs/enhancements, and works with others to create actions plans and/or develop business cases for prioritization. Models effective collaboration within and across teams and business unit stakeholders and functional partners (e.g., UW Support, Claims, Actuarial, Product, Client, OOU, Credit, Finance, Reinsurance). Ensures that strategic connectivity is maintained and a holistic underwriting perspective is applied to appetite and coverage positions on sharing economy and mobility platform risks across other lines of business offered in GRS NA, such as excess casualty and inland marine exposures for autonomous vehicle risks, as one example. Qualifications Preparation, Training & Experience Expert-level knowledge of all aspects of coverage forms, exclusions, exposure, pricing, structure, rating, rating plans, captives, loss forecasting, credit risk, market dynamics. Advanced knowledge of and experience operating within several different industry segments, experience with and knowledge of Auto and GL programs is key, including contractual liability; insurance operations; claims, finance and actuarial concepts; regulatory environment; loss control/risk engineering; reinsurance; account management; product development; and industry trends. Must be a skilled collaborator who is willing to assess all sides of an issue, bring in others with expertise, and independently execute and advance the collaboration model. Other professional skills required include: superior communication skills (written, verbal, presentation, listening); approachability; tact; coaching/development; analyzing and problem solving; relationship and service driven; clear solutions orientation and commitment to achieving segment operational and financial objectives; negotiation skills; and demonstrated ability to consistently and positively influence others both internally and externally (brokers/customers) as required. As normally acquired through a related bachelor`s degree, 10 or more years of relevant experience that includes underwriting, claims, reinsurance, coaching/developing others, working with brokers/agents and currency with market trends and developments. About Us As a purpose-driven organization, Liberty Mutual is committed to fostering an environment where employees from all backgrounds can build long and meaningful careers. Through strong relationships, comprehensive benefits and continuous learning opportunities, we seek to create an environment where employees can succeed, both professionally and personally. At Liberty Mutual, we believe progress happens when people feel secure. By providing protection for the unexpected and delivering it with care, we help people embrace today and confidently pursue tomorrow. We are proud to support a diverse, equitable and inclusive workplace, where all employees feel a sense of community, belonging and can do their best work. Our seven Employee Resource Groups (ERGs) offer a centralized, open space to bring employees and allies together to connect, learn and engage. We value your hard work, integrity and commitment to make things better, and we put people first by offering you benefits that support your life and well-being. Liberty Mutual is an equal opportunity employer. We will not tolerate discrimination on the basis of race, color, national origin, sex, sexual orientation, gender identity, religion, age, disability, veteran's status, pregnancy, genetic information or on any basis prohibited by federal, state or local law. Fair Chance Notices California Los Angeles Incorporated Los Angeles Unincorporated Philadelphia San Francisco Employment Type: Full Time

Keywords: Liberty Mutual Insurance, Frisco , Underwriting Officer, Other , Plano, Texas