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Underwriter III

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Job ID: 1008475
Date Posted: Aug 22, 2023
Department ID: TM0906 UW -Commercial Lines
Company: Tokio Marine Management Inc.

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Job Description

Marketing Statement

About Tokio Marine:

Tokio Marine has been conducting business in the U.S. market for over a century and we are licensed in all states, Puerto Rico and the District of Columbia, and write all major lines of Commercial Property and Casualty Insurance. We provide unique insurance and risk management tools from our experienced staff of account executives, underwriters and loss prevention engineers and fair and timely claim settlement from a skilled team of claim professionals. We work with major brokers and leading independent insurance agents throughout the United States to serve the world's largest and most distinguished organizations.

We are committed to creating value for our customers by providing ANSHIN (safety, security and peace of mind). We strive to be creative and passionate as we work towards our long-term success.

Tokio Marine Holdings is Japan's oldest, and one of the largest property and casualty insurers. Founded in 1879, TMNF operates worldwide in 47 countries. With annual revenues of approximately $50 billion and an A.M. Best rating of A++, one of the highest in the industry, we are one of the top 20 insurance providers worldwide.


Job Summary:

The Underwriter III is responsible for applying sound and experienced underwriting decisions to derive a profit while maintaining a strong positive relationship with the producers they are assigned.  All of this to be done within the guidelines and culture of TMA.

Essential Job Functions:

  • Review new business, renewal and endorsement requests. Analyze all information provided. Obtain additional information as needed to determine acceptability based on underwriting guidelines and sound judgment.   
  • Work with assigned producers to generate commercial business. Manage the relationship between the company and the broker as it relates to underwriting.
  • Cooperate with co-workers to foster a teaming atmosphere. Work with established work-flows to meet Western Region time service goals.
  • Establish and maintain positive, professional relationships with producers. Utilize effective sales and negotiation skills to obtain and retain accounts on the most profitable terms available to TMM.
  • Work closely with other internal departments such as loss control, claims, coordination, premium audit and accounting to meet client service goals and increase knowledge on your accounts.
  • Follow TMM and Department of Insurance Guidelines to ensure the profitability and legality of the assigned book of business.
  • Handle complex accounts including some or all, but not limited to the following items: Large deductible programs, Retro programs, Loss rated programs, and Composite rated programs
  • Negotiate manuscript wording as needed
  • Use of the actuarial pricing model
  • Negotiate reinsurance terms
  • Act as a resource within the team regarding your areas of expertise. Stay current on industry trends on your tines of coverage and share this information with the team.
  • Prepare production reports and special projects as assigned by management.
  • Make use of current TMM technology to process work. Update skills as necessary, including but not limited to the GAR system and Word and Excel programs.
  • Responsible for complying with proper internal controls as necessary to conduct job functions and/or carry out responsibilities and/or administrative activities at Company.


  • College Degree Preferred
  • Minimum of ten years of commercial underwriting experience or equivalent
  • Computer literate (MS Windows environment preferred)
  • Strong oral and written communication skills.

TMA believes the perfect candidate is more than just a resume. If you don't meet every single requirement, but are still interested in the job, please apply

Salary range of $100,000- $116,000. Ultimate salary offered will be based on factors such as applicant experience and geographic location. Our company offers a competitive benefits package and bonus eligibility on top of base.

EEO Statement

Tokio Marine Management is an Equal Opportunity Employer. In order to remain competitive we must attract, develop, motivate, and retain the most qualified employees regardless of age, color, race, religion, gender, disability, national or ethnic origin, family circumstances, life experiences, marital status, military status, or sexual orientation.

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