Commercial Insurance Underwriter (Independent Contractor – US Client)
Work Hours: 4:00 PM – 12:00 AM South Africa Time
Employment Type: Independent Contractor / Remote
Location: Remote (Work US business hours; client based in the United States)
Industry: Commercial Insurance / Risk Management
About the Client
You will support a well-established US commercial insurance brokerage specializing in tailored risk solutions across multiple industries. The firm has nearly three decades of experience providing sophisticated commercial insurance products — including property, liability, workers compensation, construction specialty lines, and industry-specific coverages for sectors such as healthcare, contractors/real estate and more — to businesses nationwide.
Role Overview
We're seeking an experienced Commercial Insurance Underwriter to join the team as an independent contractor. This role will require strong technical underwriting skills, excellent client-facing communication, and the ability to evaluate and structure commercial risk solutions.
You will work US business hours from 4 PM to 12 AM SA time, engaging directly with brokers, agents, and clients, while aligning with daily operational needs of the business.
Key Responsibilities
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Analyze commercial insurance submissions and risks across a variety of P&C lines (including property, general liability, commercial auto, umbrella and specialty risks).
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Underwrite and structure insurance solutions with appropriate terms, pricing and coverage tailored to client needs.
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Interface directly with clients and brokers to explain coverage, negotiate terms, and secure renewals.
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Provide expert guidance on risk exposures and mitigation strategies, especially within healthcare and construction sectors.
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Collaborate with internal sales and risk teams to support business development and retention.
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Maintain detailed underwriting documentation and ensure compliance with client and carrier standards.
Required Qualifications
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Minimum 3–5+ years underwriting experience in commercial property & casualty insurance.
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Significant experience underwriting healthcare industry risks (e.g., medical providers, assisted-living, home health) and/or construction-related insurance (contractors, builders risk, specialty trades) preferred.
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Solid understanding of commercial policy forms, coverages and risk exposures.
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Excellent verbal and written communication skills; confident presenting to clients and brokers.
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Ability to work independently on contractor basis and adapt to US timezone schedule (afternoon/evening SA time).
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Strong analytical skills, attention to detail, and ability to make sound underwriting decisions.
Ideal Experience
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Prior client-facing underwriting role in a commercial insurance brokerage environment.
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Familiarity with healthcare risk exposures such as malpractice, facility liability, and regulatory compliance risks.
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Construction insurance experience – understanding of contracting operations, builders risk, and job-site exposures.
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Experience with commercial lines such as workers compensation, general liability, umbrella, and specialty products.
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The ability to build relationships with producers and clients while balancing risk and profitability.
Contract Terms
Independent contractor engagement.