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As a Commercial Lines Program Underwriter, you will serve as the in-house subject matter expert for the Mountain West Preferred Condominium Program, managing the submission, marketing, and placement. This role is expected to work with producers and account executives to deliver competitive, coverage-complete programs for community associations of all sizes.

Performance Expectations/Responsibilities

• Review submissions for new and renewal homeowners and condo association policies, assessing property exposures, loss history, and catastrophe risks such as hail, wildfire, and flood in Colorado.
• Organize underwriting information — applications, loss runs, building schedules, meeting minutes, financials, and reserve studies — to support complete and competitive submissions.
• Underwrite submission per carrier partner underwriting guidelines.
• Serve as the agency's technical resource on the Mountain West Preferred Condominium Program coverages and guidelines — advising producers and account executives on coverage gaps, requirements, and program structure.
• Review policy forms and endorsements at binding and renewal to ensure accuracy with program underwriting guidelines.
• Build and maintain relationships with program carrier and automation partner to ensure adherence to underwriting guidelines, policy forms, and carrier compliance.
• Assist automation partner with underwriting rule implementation, system testing, and continued enhancements to support efficient quoting, regulatory compliance, and underwriting profitability.
• Evaluate risk exposures and determine appropriate premium rates by analyzing underwriting data, loss history, actuarial models, and market conditions to ensure profitability and competitiveness.
• Stay current on Colorado-specific regulatory changes, wildfire and hail market conditions, and carrier appetite shifts affecting community association placements.
• Support claims advocacy on behalf of the Mountain West Preferred Condominium Program clients — coordinating with claims team and assisting with coverage analysis on complex losses.
• Train and mentor account executives and producers on program guidelines.

Compensation & Benefits

• $90,000 – $95,000 annually
• Medical, Dental, Vision, 401k with company match
• Paid Time Off (PTO)

Coverage Expertise Required

Property

• Commercial property — building & common areas
• Equipment breakdown
• Water & sewer backup
• Snow load / ice dam (mountain communities)
• Wildfire / WUI endorsements & exclusions

Casualty & Management liability

• General liability (common areas)
• Directors & Officers (D&O)
• Umbrella / excess liability
• Fidelity / employee dishonesty / crime
• Cyber liability (HOA management portals)

Required Skills

• 3–6 years of commercial P&C insurance experience in an agency, brokerage, or MGA setting; community association or habitational lines experience strongly preferred.
• Demonstrated ability to market, compare, and place complex commercial accounts.
• Strong knowledge of ISO commercial property and liability forms, manuscript endorsements, and program structures common to community associations.
• Strong knowledge of Colorado insurance regulations, property forms, and catastrophe modeling.
• Excellent written and verbal communication skills — able to explain complex coverage concepts to HOA board members, property managers, and producers.
• Proficiency with agency management systems (Applied Epic), and Microsoft Office Suite.

Preferred Qualifications

• CPCU, CIC, AU, or CIRMS (Community Insurance & Risk Management Specialist) designation — or active pursuit.
• Established relationships with Colorado HOA-focused carriers and wholesale brokers
• Experience with MGAs, program administration, or HOA/condo insurance.
• Proven track record of profitable underwriting in high-risk property markets.

Work Environment/Physical Demands

• Extended periods of sitting at a desk while using a computer and other office equipment.
• Repetitive motion tasks, such as typing, data entry, and phone use.
• Occasional lifting of files or other materials, typically weighing up to 20 pounds.
• Ability to move freely around the office space to collaborate with colleagues or access office resources.
• Visual acuity to read documents, screens, and fine print on documents.
• Manual dexterity to operate office equipment and handle paperwork efficiently.
• Ability to maintain focus and attention to detail in a sometimes fast paced and multitasking environment.
• The office environment typically has a moderate noise level consistent with a professional office setting.
• Some travel may be required for this position, primarily for attending training sessions, conferences, or meetings with clients or stakeholders. A valid driver's license and reliable transportation may be necessary for travel to off-site locations.

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Please note that this job description is subject to change at any time and does not encompass all responsibilities, duties, or activities that may be required of the employee. Additional tasks, responsibilities, and duties may be assigned as deemed necessary by management.