临时承保专员 - 独立承包商
Temporary Associate Underwriter – Independent Contractor
关于 Delos Insurance Solutions
Delos Insurance Solutions 是一家技术驱动的 MGA（管理经纪商），专注于承保复杂的住宅风险，特别是处于灾害暴露区域的地区。我们结合专有的风险模型与现代技术栈和深厚的保险专业知识。由顶级风险投资公司支持，我们正在迅速发展，并寻找具有高影响力的团队成员来帮助我们扩大规模。
此职位需要有效的加利福尼亚州财产与责任（P&C）许可证
合同详情
- 临时独立承包商合作。
- 预计每周工作量约为 30–40 小时。
- 合同预计将持续至 2026 年 12 月 31 日。
- 这是一个 1099 独立承包商职位，不享受员工福利。
主要职责
核心承保执行
- 审查、评估并承保住宅和其他住宅财产线的新业务和续保申请。
- 处理持续的承保工作，包括检查审查、批改、系统任务及相关活动。
- 达到助理承保人职能的既定生产目标。
- 在评估房产风险特征时，根据承保指南和风险偏好做出合理判断。
- 识别并选择符合公司目标的盈利风险，同时避免逆向选择。
权限级别
- 遵守既定的承保和流程指南，包括适用的有效日期要求。
- 将指南例外情况提交给承保人或高级承保人审批。
代理沟通
- 作为指定代理的承保联系人，回答问题、澄清风险偏好并支持高质量的申请。
- 向外部分销合作伙伴和内部利益相关者提供及时且专业的沟通。
- 与分销团队合作，按需提供承保支持或培训。
所需技能和经验
- 需要有效的加利福尼亚州财产与责任（P&C）许可证。
- 2–4 年的财产承保或相关个人险经验，优先考虑住宅、房屋火灾或其他住宅财产线。
- 具有风险选择、承保执行、理赔、客户服务或其他相关个人险职能的经验。
- 与代理和销售人员合作时具备良好的沟通技巧和客户服务意识。
- 具备使用承保平台的经验，以及风险评估、承保执行、理赔、客户服务或其他相关个人险职能的经验。
查看英文原文
About Delos Insurance Solutions
Delos Insurance Solutions is a tech-enabled MGA focused on underwriting complex homeowners risks, particularly in catastrophe-exposed regions. We combine proprietary risk models with a modern tech stack and deep insurance expertise. Backed by top-tier VCs, we’re growing rapidly and are looking for high-impact team members to help us scale.
An active California Property & Casualty (P&C) license is required for this position
Contract Details
- Temporary independent contractor engagement.
- Anticipated workload of approximately 30–40 hours per week.
- Contract expected to continue through December 31, 2026.
- This is a 1099 independent contractor position and is not eligible for employee benefits.
Key Responsibilities
Core Underwriting Execution
- Review, assess, and underwrite new business and renewal submissions across homeowners and other residential property lines.
- Handle ongoing underwriting work, including inspection reviews, endorsements, system tasks, and related activities.
- Meet established production expectations for the Associate Underwriter function.
- Apply sound judgment when evaluating property risk characteristics in relation to underwriting guidelines and risk appetite.
- Identify and select profitable risks aligned with company goals while avoiding adverse selection.
Authority Level
- Adhere to established underwriting and process guidelines, including applicable effective-date requirements.
- Refer guideline exceptions to an Underwriter or Senior Underwriter for approval.
Agent Communication
- Serve as an underwriting contact for appointed agents by responding to questions, clarifying risk appetite, and supporting quality submissions.
- Provide timely and professional communication to external distribution partners and internal stakeholders.
- Collaborate with the distribution team to provide underwriting support or training as needed.
Required Skills and Experience
- Active California Property & Casualty (P&C) license required.
- 2–4 years of property underwriting or related personal lines insurance experience, preferably focused on homeowners, dwelling fire, or other residential property lines.
- Experience with risk selection, underwriting execution, claims, customer service, or other related personal lines insurance functions.
- Strong communication skills with a customer-service mindset when working with agents and producers.
- Experience using underwriting platforms, exposure tools, or BI dashboards.
- Ability to manage multiple priorities and collaborate effectively.
- Strong attention to detail and sound judgment in balancing risk and business objectives.
- Proficiency with Excel, Word, PowerPoint, Adobe, and other standard business software.
Preferred Skills and Experience
- Industry designations such as CPCU or ARM.
- Familiarity with California property underwriting.
- Familiarity with wildfire, hurricane, or other catastrophe-exposed risks.
- Experience within MGA, E&S, or non-admitted environments.
- Commercial property experience.
- Interest in improving underwriting workflows and processes.
- Interest in how climate and data are reshaping insurance risk.
Originally posted on Himalayas