Personal Lines Property Associate Underwriter in San Francisco, California at Delos Insurance Solutions

About Delos Insurance Solutions

Delos Insurance Solutions is a technology-driven insurance company specializing in the Excess & Surplus (E&S) market. By leveraging innovative technology, automation, and data-driven insights, we’re transforming how complex property risks are evaluated and underwritten. As we continue to grow and expand into new markets, we remain committed to operational excellence, regulatory compliance, and delivering innovative insurance solutions.

Position Overview

Delos Insurance Solutions is seeking a detail-oriented and motivated Associate Underwriter to support our property underwriting operations. This role is responsible for reviewing new business and renewal submissions, evaluating property risks, managing ongoing underwriting activities, and supporting relationships with appointed agents.

The ideal candidate has experience in personal lines insurance, strong analytical and communication skills, and the ability to balance sound risk selection with business objectives in a fast-paced, technology-driven environment.

Key Responsibilities

· Underwriting & Risk Assessment

· Review, evaluate, and underwrite new business and renewal submissions for homeowners and other residential property lines.

· Manage daily underwriting activities, including inspection reviews, endorsements, and system-generated tasks.

· Evaluate property risk characteristics in accordance with established underwriting guidelines and company risk appetite.

· Identify and select profitable risks while minimizing adverse selection.

· Meet or exceed established production and quality standards.

· Adhere to underwriting guidelines, processes, and effective date requirements.

· Escalate guideline exceptions to an Underwriter or Senior Underwriter for approval.

· Agent Communication & Collaboration

· Serve as an underwriting resource for appointed agents, answering questions, clarifying guidelines, and supporting quality submissions.

· Provide timely, accurate, and professional communication to agents, distribution partners, and internal stakeholders.

· Partner with the Distribution team to support agent training and underwriting education as needed.

· Collaborate with internal teams to improve underwriting efficiency, processes, and overall service quality.

· Any other tasks assigned by manager

Required Qualifications

· 2–4 years of property underwriting or related personal lines insurance experience, preferably involving homeowners, dwelling fire, or residential property.

· Understanding of underwriting principles, risk assessment, and risk selection, or transferable experience in claims, insurance customer service, or related functions.

· Strong communication and interpersonal skills with a customer-service mindset.

· Experience using underwriting platforms, exposure assessment tools, or business intelligence dashboards.

· Ability to manage multiple priorities, meet deadlines, and collaborate effectively.

· Strong attention to detail, analytical thinking, and sound decision-making skills.

· Proficiency in Microsoft Office applications, including Excel, Word, and PowerPoint, and Adobe.

Preferred Qualifications

· Active Property & Casualty (P&C) insurance license in any state; California license strongly preferred.

· Professional insurance designations such as CPCU, ARM, or equivalent.

· Familiarity with California property underwriting practices and guidelines.

· Experience evaluating catastrophe (CAT)-exposed risks, including wildfire, hurricane, and other natural hazards.

· Experience within Managing General Agency (MGA), Excess & Surplus (E&S), or non-admitted insurance environments.

· Exposure to commercial property underwriting.

· Interest in leveraging technology, automation, and data to improve underwriting processes.

· Understanding of how climate trends and emerging risks impact the insurance industry.

Compensation and Benefits

• Competitive salary plus equity stock options

• Flexibility to work from anywhere in the United States

• Unlimited PTO, including sick leave and company holidays

• Comprehensive medical, dental, vision, and life insurance (25% paid by employee, 75% covered by Delos including dependents)

• 401(k) retirement savings plan

• Professional development opportunities and tuition assistance