Underwriter

K2 Insurance Services, LLC is seeking an Underwriter to support our fast-growing specialty insurance platform. In this role, you will evaluate, price, and underwrite new and renewal business for niche insurance programs, applying strong risk selection and underwriting discipline. You will review submissions, analyze loss data, structure coverage, and negotiate terms with brokers and MGAs, working closely with program administrators and carrier partners. This position offers the opportunity to contribute to innovative program development within an entrepreneurial, performance-driven culture focused on integrity, collaboration, and long-term market relationships.

Responsibilities

• Evaluate and underwrite new and renewal specialty insurance submissions within assigned authority limits
• Analyze risk characteristics, coverage terms, pricing, and profitability for niche insurance programs
• Review applications, loss histories, and supporting documentation to determine appropriate terms and conditions
• Negotiate rates, limits, and coverage with brokers, MGAs, and distribution partners
• Collaborate with program administrators, carriers, and internal teams to support program growth and performance
• Maintain underwriting discipline and adherence to company guidelines and regulatory requirements
• Monitor portfolio performance, identify trends, and recommend underwriting strategies or adjustments
• Prepare clear documentation, file notes, and recommendations to support underwriting decisions
• Support new product and program development initiatives and contribute to continuous process improvement
• Build and maintain strong relationships with clients, brokers, and carrier partners

Required Skills

• Commercial P&C underwriting
• Risk assessment and pricing
• Insurance coverage analysis
• Loss history and data analysis
• Excel and data tools for underwriting analysis
• Knowledge of insurance regulations and guidelines
• Negotiation with brokers and MGAs
• Portfolio and profitability management
• Underwriting documentation and reporting
• Collaboration with carriers, MGAs, and program administrators