Location: Orlando, FL

Interested in joining a dynamic and growing company? At Lighthouse, we are committed to providing a safe, stable environment for insurance professionals to work productively, provide knowledgeable service and develop professionally with the goal of growing the company and the opportunities for all within. Lighthouse is seeking talented candidates who are passionate about growth, helping others and delivering the best possible service to our customers and employees.
We offer a competitive salary and a robust benefits package, including 401(k) match, medical, dental, and vision health plans, short and long-term disability, paid time off, tuition reimbursement, professional conferences, and other career development opportunities.

Summary of Position:

The Lead Commercial Lines Underwriter is responsible for managing assigned underwriting tasks to identify business trends, ensure profitability and build agency relationships. Responsible for underwriting new business, endorsements, and policy changes/cancellation requests and inspection. Since this a “production underwriting” position it is responsible for ensuring the proper growth of the program in accordance with corporate premium goals and objectives. May provide guidance and assistance to less experienced underwriting staff and other functional areas.

Essential Duties & Job Responsibilities:

  • Obtains data/information from published sources, company data bases, and partnerships with sales, claims, agency or other contacts.>
  • Makes appropriate new business and renewal policy level underwriting decisions based on analysis, experience, and judgment in accepting, modifying or rejecting risks. Reviews and considers business loss experience, investigative reports, claims activity, file information and nature of risks, etc. in reaching sound decisions. Understands and adheres to filed rating plans.
  • Makes account underwriting decisions based on agency history, policyholder’s tenure, number of policies, claims history, and long-term performance indicators.
  • Accountable for the proper classification of risks to ensure the matching of price and product to the customer. Is skilled at interpreting and using approved classification systems, rating plans and selection standards to determine eligibility, desirability and proper classification/pricing benchmarks for assigned product lines.
  • Applies underwriting guidelines and objectives in a manner to facilitate proper growth of the program in line with corporate goals and projections.
  • Initiates consulting opportunities with agency force regarding business results, trends, and competitor information as appropriate. Recommends additional products, coverages and discounts to ensure the agency and customer receive maximum value. Uses curiosity, ingenuity and creativity to identify profitable opportunities.
  • Actively pursues partnerships with sales, claims, and product management in implementing and driving profitable solutions for all lines of business submitted.
  • Builds and enhances the agency relationship by making contact that conveys interest in the agency’s needs and goals. Completes all transactions in a first-time final mode. Assists in providing agency staff with education when necessary.
  • Assists in assigned tasks from other departments.
  • Works on company projects as assigned by the Commercial Development Manager including, but not limited to Systems Testing and Analysis, Product Development and Program Development.
  • Assists as assigned by Commercial Development Manager with on-boarding/training to the Underwriting Team.
  • Occasional travel to visit partner agencies in the various states we operate to gain a better understanding of their needs and prevailing market conditions.


  • Undergraduate degree. Business administration, insurance, risk mgt., economics or finance preferred.
  • Minimum 3 years to 5 years of experience in commercial lines insurance requiring the ability to analyze data and work collaboratively.
  • Computer literate, knowledge of Windows, Excel and other analytical tools to evaluate data.
  • Possesses good research and writing skills.
  • Ability to solve diverse problems.
  • General lines Certification, Other Associate Designations or CPCU a plus.

Working Conditions & Physical Requirements

  • Ability to safely and successfully perform the essential job duties of this position, with or without reasonable accommodation.
  • Must be able to function independently, have flexibility, personal integrity and the ability to work effectively with customers, vendors and personnel.
  • Occasionally lift medium to heavy objects.

Other Requirements

  • Strong critical thinking and problem-solving skills.
  • Strong oral and written communication skills with the ability to explain technical concepts to individuals without highly technical understanding.
  • Ability to maintain regular and punctual attendance.
  • Detail-oriented.
  • Ability to maintain regular and punctual attendance.
  • Adhere to all Company and department policies and procedures.
  • Perform other duties as assigned.