MSIG USA continues to grow!
Company Overview:
MSIG USA is the US-based subsidiary of MS&AD Insurance Group Holdings, Inc., one of the world’s top P&C carriers and a global Class 15 insurer, with A+ ratings and a reach that spans 40+ countries and regions. Leveraging our 350-year heritage, MSIG USA brings the financial strength, expertise, and global footprint to offer commercial insurance solutions that address your business’s unique risks.
Summary/Job Purpose:
The Junior Underwriter is a developmental role designed for an insurance professional ready to build a career in underwriting. The position supports Retail Excess Casualty business while gaining hands-on experience in risk evaluation, pricing, renewals, new business, and broker relationship management.
Essential Functions:
- Supports the underwriting and servicing of Retail Excess Casualty business, initially working under the guidance of experienced underwriters and within assigned underwriting authority.
- Reviews new and renewal submissions to evaluate risk acceptability, identify missing information, and determine alignment with company appetite, guidelines, and underwriting standards.
- Assists with underwriting analysis and due diligence, including the review of loss information, exposure details, financial information, policy terms, conditions, and other relevant risk factors.
- Develops proficiency in rating and pricing accounts and applies appropriate pricing methodologies in accordance with company guidelines, filings, and applicable regulatory requirements.
- Prepares underwriting files, quotes, and account documentation accurately and in accordance with internal and regulatory standards.
- Reviews policy forms, terms, conditions, and endorsement requests with guidance from experienced underwriters.
- Supports an assigned book of renewal business and progressively assumes responsibility for renewals and new business based on experience, demonstrated capability, and assigned authority.
- Builds relationships with retail brokers and participates in broker and client meetings to support account retention, new business development, and the team’s continued growth.
- Partners with internal teams, including Claims, Risk Engineering, and Marketing, as appropriate, to evaluate risks and support broker and client needs.
- Continues developing technical underwriting knowledge, market awareness, and broker relationship skills through hands-on training, coaching, and shadowing.
- Performs other duties as assigned.
Supervisory Responsibilities:
This position has no supervisory responsibilities.
Qualifications: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Education and Experience Required:
- Bachelor’s degree
- At least 1+ year (2+ year's preferred) insurance experience within underwriting support, insurance operations, or related industry experience.
- Demonstrated interest in building a career in underwriting, with strong learning agility and motivation.
- Strong analytical, problem-solving, organizational, and attention-to-detail skills.
- Excellent written, verbal, and relationship-building skills.
- Ability to work from the New York City office four days per week.
Other Skills and Abilities Required:
- Excellent organizational and computer skills
- 5% travel

Salary: The base pay range is $90,000.00 - 105,000.00 . Salary determinations are based on various factors, including but not limited to, relevant work experience, skills, certifications and location.
Additional Benefits:
Healthcare and Retirement Benefits
Comprehensive medical, dental, and vision coverage
401(k) with a generous employer match and profit-sharing contribution
Wellness incentive program
Life and accidental death and dismemberment (AD&D) insurance
Flexible spending programs
Short-term and long-term disability plans
Additional Benefit Programs
Paid time off program
Paid charitable leave
Paid parental leave
Tuition reimbursement program
Personal insurance (auto/homeowners) discounts
#LI-Hybrid

It's an exciting time for our company and a great opportunity to join a financially sound and growing global insurance group!
It is the policy of MSIG USA to provide equal employment opportunity (EEO) to all persons regardless of age, color, national origin, citizenship status, physical or mental disability, race, religion, creed, gender, sex, sexual orientation, gender identity and/or expression, genetic information, marital status, status with regard to public assistance, veteran status, or any other characteristic protected by federal, state or local law. In addition, MSIG USA will provide reasonable accommodations for qualified individuals with disabilities.
