Commercial Insurance Underwriter (Independent Contractor – US Client)
Work Hours: 7:00 PM – 03:00 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
Analyze commercial insurance submissions and risks across a variety of P&C lines (including property, general liability, commercial auto, umbrella and specialty risks).
Underwrite and structure insurance solutions with appropriate terms, pricing and coverage tailored to client needs.
Interface directly with clients and brokers to explain coverage, negotiate terms, and secure renewals.
Provide expert guidance on risk exposures and mitigation strategies, especially within healthcare and construction sectors.
Collaborate with internal sales and risk teams to support business development and retention.
Maintain detailed underwriting documentation and ensure compliance with client and carrier standards.
Required Qualifications
Minimum 3–5+ years underwriting experience in commercial property & casualty insurance.
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.
Solid understanding of commercial policy forms, coverages and risk exposures.
Excellent verbal and written communication skills; confident presenting to clients and brokers.
Ability to work independently on contractor basis and adapt to US timezone schedule (afternoon/evening SA time).
Strong analytical skills, attention to detail, and ability to make sound underwriting decisions.
Ideal Experience
Prior client-facing underwriting role in a commercial insurance brokerage environment.
Familiarity with healthcare risk exposures such as malpractice, facility liability, and regulatory compliance risks.
Construction insurance experience – understanding of contracting operations, builders risk, and job-site exposures.
Experience with commercial lines such as workers compensation, general liability, umbrella, and specialty products.
The ability to build relationships with producers and clients while balancing risk and profitability.
Contract Terms
Independent contractor engagement.
Remote role requiring reliable internet and availability during the designated shift.
Ability to collaborate seamlessly with US-based underwriting and sales teams.
