Binding Authority Underwriter

Built on meritocracy, our unique company culture rewards self-starters and those who are committed to doing what is best for our customers.

Big Sky Underwriters seeks a Binding Authority Underwriter to join our team.

Big Sky Underwriters is a leading independent Managing General Agency located in Missoula, Montana. As a General Agency, we represent many property and casualty insurance companies offering products to individuals and companies delivered solely through retail agents.

Over the years, Big Sky Underwriters has grown steadily building relationships with agents placing risks in many states including Idaho, Colorado, Montana, North Dakota, Oregon, Washington & Wyoming. The original General Agency was established in 1955 and began operating as Big Sky Underwriters in 1987.

In 2008, Big Sky Underwriters was acquired by Hull & Company, Inc. The core values of Big Sky Underwriters include integrity, quality, honesty, the highest of service standards and insurance education.

Our guiding principles support our staff, agent and company relationships by providing a relaxed, professional work environment where teamwork, courtesy, respect and active listening are values practiced every day.

WHO YOU ARE:

You believe in working as a team and thrive in fun, collaborative environments. You have a client-focused attitude and value the importance of relationships, professionalism and trust. You set goals high and aim higher. You have solid communication skills. You are detail oriented and organized. You enjoy learning new skills, systems, processes, and procedures. You are a great listener and are not afraid to ask questions. You believe that learning is vital to success.

How You Will Contribute:

• Examines such documents as application forms, inspection reports, insurance maps, and medical reports to determine degree of risk from such factors as applicant financial standing, age, occupation, accident experience, and value and condition of property,
• Reviews company records to determine amount of insurance in force on single risk or group of closely related risks, and evaluates possibility of losses due to catastrophe or excessive insurance,
• Underwrite or broker risks, ensuring that all required information is obtained, proper applications are completed, quotes and binders are confirmed in writing, policies are issued promptly and accurately, state filings (where applicable) are made, and taxes paid in accordance with appropriate state laws. Secure payments on risks bound or written.
• Review, analyze and underwrite risks submitted by Producers, rate submissions for premium and terms, analyze exposures for quotes for new and renewal business, issue written indications, quotes and binders; use inspection companies to obtain further information, quote rates, or explain company underwriting policies.
• Markets and meets with retail agency customers to develop business and cultivate relationships in an effort to grow a book of business.
• Understand and extend Company facilities, utilizing binding authorities or brokering risks when required to successfully negotiate a placement; be responsible for your underwriting results,
• See that coding on specific required forms are completed and utilized.
• Service and perpetuate existing business, produce new business, and have a keen awareness of priorities,
• Instruct and train processors and assistants, review indications, quotes, binders, submissions and policies for completeness and accuracy.
• Provide guidance and training to the processors and assistants, to enable them to reduce the underwriter's clerical workload, and to develop basic underwriting and brokering skills and techniques.
• Foster and improve relationships with other departments, producers, companies and competitors.

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Skills & Experience to be Successful:

• Bachelor’s degree (B. A.) from four-year College or university is desired or five years insurance experience, two years of which is as an underwriting assistant.
• P&C State licensed.
• Proficient with MS Office Suite and paperless environment
• Exceptional telephone demeanor.
• Experience with excess and surplus lines underwriting agency or company.
• This position requires routine or periodic travel which may require the teammate to drive their own vehicle or a rental vehicle. Acceptable results of a Motor Vehicle Record report at the time of hire and periodically thereafter, and maintenance of minimum acceptable insurance coverages are a requirement of this position.

Preferred:

• CIC or CPCU candidate, thorough familiarity with applicable ISO manuals, forms, rating plans, policy forms i.e. coverages, exclusions, conditions and terms.

What We Offer:

• Excellent growth and advancement opportunities
• Competitive pay based on experience.
• Paid time off
• Full benefits package: health, dental, vision, 401(k) etc.
• Employee Stock Purchase Plan

WHO WE ARE:

The Wholesale Brokerage Division of Hull & Company, a subsidiary of Brown & Brown, Inc., markets excess and surplus commercial and personal insurance products to retail insurance agencies, and reinsurance products and services to insurance companies throughout the United States. Our combined operations rank us as one of the largest wholesale brokerage operations in the excess and surplus lines marketplace.

Becoming a Teammate of Hull & Company introduces you to a career with virtually unlimited possibilities. Our unique corporate culture rewards self-starters and hard workers who adhere to our commitment to do what is best for our clients. With Hull & Company you will get the training, the mentoring and the tools you need to succeed.

Pay Range

$92,500 - $92,500 Annual

The pay range provided above is made in good faith and based on our lowest and highest annual salary or hourly rate paid for the role and takes into account years of experience required, geography, and/or budget for the role.

Teammate Benefits & Total Well-Being

We go beyond standard benefits, focusing on the total well-being of our teammates, including:

• Health Benefits: Medical/Rx, Dental, Vision, Life Insurance, Disability Insurance
• Financial Benefits: ESPP; 401k; Student Loan Assistance; Tuition Reimbursement
• Mental Health & Wellness: Free Mental Health & Enhanced Advocacy Services
• Beyond Benefits: Paid Time Off, Holidays, Preferred Partner Discounts and more.

Not reflective of all benefits. Enrollment waiting periods or eligibility criteria may apply to certain benefits. Benefit details and offerings may vary for subsidiary entities or in specific geographic locations.

Recruiting Vendor Disclosure Statement

Brown & Brown does not accept unsolicited resumes from external recruiters, recruitment vendors or employment agencies ("Recruiting Vendors"). Recruiting Vendors must have a valid written agreement and received prior written authorization from an authorized Brown & Brown representative before submitting candidates for any publicly posted role. Any unsolicited resumes submitted to Brown & Brown or its employees become the property of Brown & Brown, and no fees will be paid for such submissions. Additional information regarding this policy can be found on our careers page.

The Power To Be Yourself

As an Equal Opportunity Employer, we are committed to fostering an inclusive environment comprised of people from all backgrounds, with a variety of experiences and perspectives, guided by our Diversity, Inclusion & Belonging (DIB) motto, “The Power to Be Yourself”.

Welcome

We think of ourselves as a team, so we have teammates - not employees. We strive to attract people who are competitive, driven, and disciplined. Built on meritocracy, our unique company culture rewards self-starters and those who are committed to doing what is best for our customers.

About Us

Founded in 1939 as a small, two-partner firm, Brown & Brown (NYSE: BRO) and our team of companies have grown into one of the world’s largest insurance brokerages while staying true to our foundation of trust, resilience, and delivering results. With a team that is as connected locally as it is globally, our high-performing, highly collaborative team delivers innovative risk and insurance solutions.

We look for individuals who embrace our culture, thrive in a collaborative environment, are driven to grow and succeed, and are committed to always doing what is right. With a unique culture built on integrity, superior capabilities and grit, we value teamwork, trust and courage. We think of ourselves as a team, so we have teammates—not employees, and leaders—not managers. Everything we do is about the greater “WE”—never “me.” While diverse in abilities and experience, we are all connected through our core values, a commitment to our local communities and a shared mission—always doing what is best for our customers.

Recruiting Vendor Disclosure Statement

Brown & Brown and its affiliates maintain an internal recruiting team responsible for filling open roles posted to the public. In certain situations, Brown & Brown may supplement its internal capabilities by engaging external recruiting vendors and employment agencies (“Recruiting Vendors”). Recruiting Vendors are not authorized to submit resumes, share candidate data, or directly or indirectly contact Brown & Brown employees to present candidates for employment opportunities. The only exception applies to Recruiting Vendors with an active Valid Agreement (as defined below) that has been approved by Brown & Brown.

In accordance with this policy, and to ensure appropriate authorization for sharing candidate personal information, Brown & Brown will not accept unsolicited resumes from any source other than Authorized Recruiting Vendors with a Valid Agreement in place who have been expressly invited to support a specific role. Any unsolicited resumes, incomplete submissions, or candidate data received through any means (including email or otherwise) will be considered the property of Brown & Brown. Brown & Brown will not pay any placement or related fees for unsolicited submissions or candidate data provided in violation of this policy. Such submissions may be used by Brown & Brown without any obligation to pay fees of any kind to Recruiting Vendors.

A Valid Agreement is defined as a written contract signed by an authorized representative of Brown & Brown. In the absence of a Valid Agreement, Brown & Brown assumes no liability under any legal theory, including but not limited to breach of contract, breach of implied contract, tortious interference, quantum meruit, any/or any other contractual or equitable claims in connection with candidates identified through unsolicited submissions made in violation of this policy.

If you are an existing Brown & Brown teammate, please click here to apply to a job on our internal career site.