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ADAPTED_NOW

Underwriter

Middle Markets is a key business segment within Zurich North America, and we are focused on attracting top customer advocates who possess a sales mindset, strong technical underwriting skills and solution focused problem-solving abilities. As a member of Zurich's Life Sciences Underwriting Team, you will enjoy the opportunity to fully apply and hone your underwriting and marketing skills while building relationships with our Preferred Distribution Partners within the region and grow your long-term career.

Salary

ACTIVE

Zurich is currently seeking an experienced Life Sciences Underwriter to join the Middle Market team in San Francisco! While this position will be based out of our San Francisco office, you will have the flexibility to work on a hybrid basis. You will partner with your manager to set a flexible work schedule that supports you, our customers, and our brokers and agents. This role will require you to be visible in the marketplace to meet with our agents and brokers and be in the office on a regular schedule. Middle Markets is a key business segment within Zurich North America, and we are focused on attracting top customer advocates who possess a sales mindset, strong technical underwriting skills and solution focused problem-solving abilities. Zurich Middle Markets offers end to end solutions for our customers, inclusive of international programs. In this role you will handle complex new and renewal Middle Markets business and serve as a Subject Matter Expert for Middle Markets Life Science. As a member of Zurich's Life Sciences Underwriting Team, you will enjoy the opportunity to fully apply and hone your underwriting and marketing skills while building relationships with our Preferred Distribution Partners within the region and grow your long-term career. This is an exciting time to join Middle Markets at Zurich! This role will be filled at either the Senior or AVP level. The hiring manager will determine the appropriate level based upon the selected applicant's experience and skillset relative to the qualifications listed for this position. Responsibilities include: <ul><li> Serving as a Life Science industry practice advocate with a focus on improving the customer experience by understanding their risk and offering the best end to end solution for their insurance needs. </li><li> Using a disciplined approach to exposure evaluation, risk assessment and pricing </li><li> Using risk insights, data and models to drive informed decisions at point of sale </li><li> Assisting in the refinement of underwriting guidelines for life science exposures </li><li> Identifying gaps in customer's programs and aligning Zurich's products and value proposition to offer a solution that provides the contract certainty the customer needs </li><li> Demonstrating strong analytical skills and executing as an innovative advisor </li><li> Underwriting, analyzing and generating new and renewal business for Life Science risks </li><li> Demonstrating strong coverage analysis skills and understanding and ability to communicate life science defenses and exposure analysis for product liability </li><li> Market facing and production within the growing Middle Markets division </li><li> Collaborating with multiple groups within Zurich to build knowledge and understanding of life science exposures, controls, market requirements, and opportunities </li><li> Administering and monitoring underwriting rules and guidelines, insurance laws and regulations and rating manual rules </li><li> Developing and maintaining agency and broker relationships </li><li> Working within broad limits and authorities on highly complex assignments </li></ul> Senior Life Sciences Underwriter Qualifications: <ul><li> High School Diploma or Equivalent and 5 or more years of experience in the Underwriting or Market Facing area OR </li><li> High School Diploma or Equivalent and 10 or more years of experience in the Claims or Underwriting Support area OR </li><li> Zurich Certified Insurance Apprentice including an Associate Degree and 3 or more years of experience in the Underwriting or Market Facing area OR </li><li> Zurich Certified Insurance Apprentice including an Associate Degree and 8 or more years of experience in the Claims or Underwriting Support area AND </li><li> Knowledge of Microsoft Office </li><li> Experience working on time restraints for quotes on new and renewal business </li><li> Experience working in a team environment </li></ul> OR AVP, Life Sciences Underwriter Qualifications: <ul><li> High School Diploma or Equivalent and 7 or more years of experience in the Underwriting or Market Facing area. OR </li><li> High School Diploma or Equivalent and 14 or more years of experience in the Claims or Underwriting Support area OR </li><li> Zurich Certified Insurance Apprentice including an Associate Degree and 5 or more years of experience in the Underwriting or Market Facing area OR </li><li> Zurich Certified Insurance Apprentice including an Associate Degree and 12 or more years of experience in the Claims or Underwriting Support area AND </li><li> Experience with Microsoft Office </li></ul> Preferred Qualifications: <ul><li> In-depth experience underwriting Life Science product liability on a primary and excess basis </li><li> In-depth experience underwriting Life Science property </li><li> Existing broker relationships in the region </li><li> Strong negotiation skills </li><li> Strong verbal and written communication skills </li><li> Strong relationship building, active listening, needs analysis, and win-win negotiating skills. Demonstrates presentation skills and a solutions and service orientation </li><li> Knowledge of underwriting philosophy, techniques, national/local filing regulations and guidelines </li><li> Surplus Lines license for CA would be a plus </li><li> Bachelor's Degree </li></ul> Compensation for roles at Zurich varies depending on a wide array of factors including but not limited to the specific office location, role, skill set, and level of experience. As required by local law, Zurich provides in good faith a reasonable range of compensation for roles. For additional information about our Total Rewards, Click here . Other rewards may include short term incentive bonuses and merit increases. Candidates with salary expectations outside of the range are encouraged to apply, and will be considered based on experience, skill, and education. The salary provided is a nationwide market range and has not been adjusted for the applicable geographic differential associated with the location where the position may be filled. The combined salary range for this position is $115,000.00 - $205,000.00. The starting salary range for the Senior Life Sciences Underwriter is $115,000.00 - $165,000.00 and for the AVP, Life Sciences Underwriter is $150,000.00 - $205,000.00. As an insurance company, Zurich is subject to 18 U.S. Code 1033. As a condition of employment at Zurich, employees must adhere to any COVID-related health and safety protocols in place at that time ( ). A future with Zurich. What can go right when you apply at Zurich? Now is the time to move forward and make a difference. At Zurich, we want you to share your unique perspectives, experiences and ideas so we can grow and drive sustainable change together. As part of a leading global organization, Zurich North America has over 150 years of experience managing risk and supporting resilience. Today, Zurich North America is a leading provider of commercial property-casualty insurance solutions and a wide range of risk management products and services for businesses and individuals. We serve more than 25 industries, from agriculture to technology, and we insure 90% of the Fortune 500 . Our growth strategy is not limited to our business. As an employer, we strive to provide ongoing career development opportunities, and we foster an environment where voices are diverse, behaviors are inclusive, actions drive equity, and our people feel a sense of belonging. Be a part of the next evolution of the insurance industry. Join us in building a brighter future for our colleagues, our customers and the communities we serve. Zurich maintains a comprehensive employee benefits package for employees as well as eligible dependents and competitive compensation. Please click here to learn more. As a global company, Zurich recognizes the diversity of our workforce as an asset. We recruit talented people from a variety of backgrounds with unique perspectives that are truly welcome here. Taken together, diversity and inclusion bring us closer to our common goal: exceeding our customers' expectations. Zurich does not discriminate on the basis of age, race, ethnicity, color, religion, sex, sexual orientation, gender expression, national origin, disability, protected veteran status or any other legally protected status. EOE disability/vet Zurich does not accept unsolicited resumes from search firms or employment agencies. Any unsolicited resume will become the property of Zurich American Insurance. If you are a preferred vendor, please use our Recruiting Agency Portal for resume submission. Location(s): AM - San Francisco Remote Working: Hybrid Schedule: Full Time Employment Sponsorship Offered: No Linkedin Recruiter Tag:

Zurich Insurance Company Ltd.

Market Facing Life Sciences Underwriter, Middle Markets

salaryMin

salaryMax

payPeriod

currency

RealJobs

KBSkills

Zurich is currently seeking an experienced Life Sciences Underwriter to join the Middle Market team in San Francisco! While this position will be based out of our San Francisco office, you will have the flexibility to work on a hybrid basis.  You will partner with your manager to set a flexible work schedule that supports you, our customers, and our brokers and agents.  This role will require you to be visible in the marketplace to meet with our agents and brokers and be in the office on a regular schedule. Middle Markets is a key business segment within Zurich North America, and we are focused on attracting top customer advocates who possess a sales mindset, strong technical underwriting skills and solution focused problem-solving abilities.  Zurich Middle Markets offers end to end solutions for our customers, inclusive of international programs.  In this role you will handle complex new and renewal Middle Markets business and serve as a Subject Matter Expert for Middle Markets Life Science.  As a member of Zurich's Life Sciences Underwriting Team, you will enjoy the opportunity to fully apply and hone your underwriting and marketing skills while building relationships with our Preferred Distribution Partners within the region and grow your long-term career. This is an exciting time to join Middle Markets at Zurich! This role will be filled at either the Senior or AVP level. The hiring manager will determine the appropriate level based upon the selected applicant’s experience and skillset relative to the qualifications listed for this position.  Responsibilities include: <ul><li>Serving as a Life Science industry practice advocate with a focus on improving the customer experience by understanding their risk and offering the best end to end solution for their insurance needs.</li><li>Using a disciplined approach to exposure evaluation, risk assessment and pricing</li><li>Using risk insights, data and models to drive informed decisions at point of sale</li><li>Assisting in the refinement of underwriting guidelines for life science exposures</li><li>Identifying gaps in customer’s programs and aligning Zurich’s products and value proposition to offer a solution that provides the contract certainty the customer needs</li><li>Demonstrating strong analytical skills and executing as an innovative advisor</li><li>Underwriting, analyzing and generating new and renewal business for Life Science risks</li><li>Demonstrating strong coverage analysis skills and understanding and ability to communicate life science defenses and exposure analysis for product liability</li><li>Market facing and production within the growing Middle Markets division </li><li>Collaborating with multiple groups within Zurich to build knowledge and understanding of life science exposures, controls, market requirements, and opportunities</li><li>Administering and monitoring underwriting rules and guidelines, insurance laws and regulations and rating manual rules</li><li>Developing and maintaining agency and broker relationships</li><li>Working within broad limits and authorities on highly complex assignments</li></ul> Senior Life Sciences Underwriter Qualifications: <ul><li>High School Diploma or Equivalent and 5 or more years of experience in the Underwriting or Market Facing area OR </li><li>High School Diploma or Equivalent and 10 or more years of experience in the Claims or Underwriting Support area OR</li><li>Zurich Certified Insurance Apprentice including an Associate Degree and 3 or more years of experience in the Underwriting or Market Facing area OR</li><li>Zurich Certified Insurance Apprentice including an Associate Degree and 8 or more years of experience in the Claims or Underwriting Support area  AND</li><li>Knowledge of Microsoft Office</li><li>Experience working on time restraints for quotes on new and renewal business</li><li>Experience working in a team environment</li></ul> OR AVP, Life Sciences Underwriter Qualifications: <ul><li>High School Diploma or Equivalent and 7 or more years of experience in the Underwriting or Market Facing area. OR</li><li>High School Diploma or Equivalent and 14 or more years of experience in the Claims or Underwriting Support area OR</li><li>Zurich Certified Insurance Apprentice including an Associate Degree and 5 or more years of experience in the Underwriting or Market Facing area OR</li><li>Zurich Certified Insurance Apprentice including an Associate Degree and 12 or more years of experience in the Claims or Underwriting Support area AND</li><li>Experience with Microsoft Office</li></ul> Preferred Qualifications: <ul><li>In-depth experience underwriting Life Science product liability on a primary and excess basis</li><li>In-depth experience underwriting Life Science property</li><li>Existing broker relationships in the region</li><li>Strong negotiation skills</li><li>Strong verbal and written communication skills</li><li>Strong relationship building, active listening, needs analysis, and win-win negotiating skills. Demonstrates presentation skills and a solutions and service orientation</li><li>Knowledge of underwriting philosophy, techniques, national/local filing regulations and guidelines</li><li>Surplus Lines license for CA would be a plus</li><li>Bachelor’s Degree</li></ul> Compensation for roles at Zurich varies depending on a wide array of factors including but not limited to the specific office location, role, skill set, and level of experience. As required by local law, Zurich provides in good faith a reasonable range of compensation for roles. For additional information about our Total Rewards, Click <a href="https://www.zurichna.com/careers/benefits" rel="nofollow" style="color:blue;text-decoration:underline">here</a>. Other rewards may include short term incentive bonuses and merit increases. Candidates with salary expectations outside of the range are encouraged to apply, and will be considered based on experience, skill, and education. The salary provided is a nationwide market range and has not been adjusted for the applicable geographic differential associated with the location where the position may be filled. The combined salary range for this position is $115,000.00 - $205,000.00. The starting salary range for the Senior Life Sciences Underwriter is $115,000.00 - $165,000.00and for the AVP, Life Sciences Underwriter is $150,000.00 - $205,000.00. <div></div> As an insurance company, Zurich is subject to 18 U.S. Code § 1033. As a condition of employment at Zurich, employees must adhere to any COVID-related health and safety protocols in place at that time (<a href="https://www.zurichna.com/careers/faq" rel="nofollow noopener noreferrer" target="_blank">https://www.zurichna.com/careers/faq</a>). A future with Zurich. What can go right when you apply at Zurich? Now is the time to move forward and make a difference. At Zurich, we want you to share your unique perspectives, experiences and ideas so we can grow and drive sustainable change together. As part of a leading global organization, Zurich North America has over 150 years of experience managing risk and supporting resilience. Today, Zurich North America is a leading provider of commercial property-casualty insurance solutions and a wide range of risk management products and services for businesses and individuals. We serve more than 25 industries, from agriculture to technology, and we insure 90% of the Fortune 500®. Our growth strategy is not limited to our business. As an employer, we strive to provide ongoing career development opportunities, and we foster an environment where voices are diverse, behaviors are inclusive, actions drive equity, and our people feel a sense of belonging. Be a part of the next evolution of the insurance industry. Join us in building a brighter future for our colleagues, our customers and the communities we serve. Zurich maintains a comprehensive employee benefits package for employees as well as eligible dependents and competitive compensation. Please click <a href="https://www.zurichna.com/careers" rel="nofollow">here</a> to learn more. As a global company, Zurich recognizes the diversity of our workforce as an asset. We recruit talented people from a variety of backgrounds with unique perspectives that are truly welcome here. Taken together, diversity and inclusion bring us closer to our common goal: exceeding our customers’ expectations. Zurich does not discriminate on the basis of age, race, ethnicity, color, religion, sex, sexual orientation, gender expression, national origin, disability, protected veteran status or any other legally protected status. EOE disability/vet  Zurich does not accept unsolicited resumes from search firms or employment agencies. Any unsolicited resume will become the property of Zurich American Insurance. If you are a preferred vendor, please use our Recruiting Agency Portal for resume submission.  Location(s): AM - San Francisco Remote Working: Hybrid Schedule: Full Time Employment Sponsorship Offered: No     Linkedin Recruiter Tag: #LI-WL1 #LI-ASSOCIATE #LI-HYBRID

Agriculture

Analysis Skills

Biology

Brokerage

Communication Skills

Customer Experience

Customer Relations

Data Modeling

Distribution Channel

Diversity

Exceeded Sales Goal

Fortune 500 Customers

High School Diploma

Insurance

Insurance Certifications

Insurance Regulations

Legal

LinkedIn

Marketing

Microsoft Office

Mortgage Lending

Needs Assessment

Negotiation Skills

Online Recruiting

Philosophy

Presentation/Verbal Skills

Pricing

Problem Solving Skills

Process Improvement

Property and Casualty Insurance

Recruiting/Staffing Agency

Regulatory Submissions

Resume Search

Risk

Risk Analysis

Risk Management

Safety/Work Safety

Sales

Sales Closing Skills

Team Player

Time Management

Underwriting

Writing Skills

Appcast Exclusive 1

Claims Representative

Where you'll work: This position is located in Bay Area / San Francisco, CA and is responsible for servicing these zip codes: 94014, 94102, 94103, 94104, 94105, 94107, 94108, 94109, 94110, 94111, 94112, 94114, 94115, 94116, 94117, 94118, 94121, 94122, 94123, 94124, 94127, 94129, 94130, 94131, 94132, 94133, 94134, 94143, 94158. With the opportunity to initially earn up to 20 days annually plus parental leave, paid holidays, celebration day, life leave (40 hours/year), bereavement leave, and community service/education support days, there will be plenty of time for you!

Location US-CA-San Francisco Job Category Claims and Investigation Position Type Regular Full Time Req ID 40314 Overview Being good neighbors – helping people, investing in our communities, and making the world a better place – is who we are at State Farm. It is at the core of how we operate and the reason for our success. Come join a #1 team and do some good! Responsibilities Join our team as a Property Field Inspection Claim Specialist and showcase your expertise in handling accident and weather-related claims for homeowners, commercial properties, and large losses. We are looking for an experienced and highly skilled professional to contribute to our dynamic team. You will be the first point of contact to meet with our insureds, explain coverage, estimate damages, and help them through the claims process while providing Remarkable service. Key Responsibilities:<ul><li>Conduct on-site inspections and assessments of property damages for both residential and commercial claims</li><li>Collaborate with policyholders, insurance agents, and other involved parties to gather information and resolve claims efficiently </li><li>May occasionally require interacting with parties who express strong emotions or concerns about ongoing inspections or claim resolutions </li><li>Provide exceptional customer service throughout the claims process, addressing inquiries and concerns promptly and professionally</li><li>Gather necessary evidence, document findings, and prepare detailed reports to support the claims handling process</li><li>Investigate and adjust both personal and commercial property claims with exposures up to $500,000</li><li>Evaluate coverage and policy terms to determine the validity of claims and ensure compliance with local regulations</li><li>Negotiate and settle claims within the authorized limits, considering policy provisions, industry standards, and company guidelines</li></ul>Where you'll work: This position is located in Bay Area / San Francisco, CA and is responsible for servicing these zip codes:94014, 94102, 94103, 94104, 94105, 94107, 94108, 94109, 94110, 94111, 94112, 94114, 94115, 94116, 94117, 94118, 94121, 94122, 94123, 94124, 94127, 94129, 94130, 94131, 94132, 94133, 94134, 94143, 94158.Competitive candidates should reside within a commutable distance of this territory. This is a Remote-Field position in which you will work from home and utilize a mobile office/vehicle for in-person appointments. Although the primary work location is in the field, with a commutable distance from home, there will be opportunities for virtual work to be completed at home. Additionally, there may be occasions where you will be required to travel outside your assigned area to assist in other territories.Hours of operation are continually evaluated and may change based on business need. Successful candidates are able and willing to work flexible schedules and may be asked to work overtime and/or irregular hours. Qualifications Competitive candidates must demonstrate:<ul><li>Experience as a Property Field Inspection Claim Specialist in the insurance industry, specifically in property claims</li><li>Strong knowledge of property insurance policies, coverage and claim handling practices</li><li>Knowledge of both residential and commercial building construction</li><li>Familiarity with local regulations and compliance requirements in your assigned territory</li><li>Excellent communication and interpersonal skills to effectively interact with clients, agents, and other stakeholders</li><li>Proven effective communication skills to handle difficult/emotional conversations with a customer-minded focus</li><li>Proven ability to assess damages, estimate repair costs, and negotiate settlements</li><li>Detail-oriented with strong organizational and analytical skills</li><li>Proficient in using claims management software and other relevant tools </li><li>Physical agility to allow for: frequent lifting, carrying and climbing a ladder; ability to navigate roofs at various heights for inspection of both residential and commercial structures; ability to crawl in tight spaces</li><li>May be required to complete Rope and Harness Safety Training.</li><li>A valid driver's license is required</li></ul>Preferred:<ul><li>Bachelor's Degree in a related field or equivalent work experience</li><li>Experience in handling complex or high-value claims</li><li>Construction background</li><li>Water mitigation inspection experience</li><li>Xactimate, XactContents</li></ul>Additional Details:<ul><li>Employees must successfully complete all required training, including applicable licensing exam(s) and background checks required of various state(s).</li><li>State Farm recently implemented new pre-employment assessments. Candidates that have previously taken an assessment may be asked to participate in additional testing</li><li>For Los Angeles candidates: Pursuant to the Los Angeles Fair Chance Initiative for Hiring, we will consider for employment qualified applicants with criminal histories. For San Francisco candidates: Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.</li></ul>#LI-DS3 Our Benefits Because work-life-balance is a priority at State Farm, compensation is based on our standard 38:45-hour work week!<ul><li>Potential starting salary range: $73,824.56 - $114,148.98 annually, $36.64 - $56.65/hour<ul><li>Starting salary will be based on skills, background, and experience</li><li>High end of the range limited to applicants with significant relevant experience</li></ul></li><li>Potential yearly incentive pay up to 15% of base salary</li></ul> At State Farm, we offer more than just a paycheck. Check out our suite of benefits designed to give you the flexibility you need to take care of you and your family!<ul><li>Get Paid! On top of our competitive pay, you are eligible for an annual raise and bonus.</li><li>Stay Well! Focus on you and your family’s health with our robust health and wellbeing programs. State Farm pays most of your healthcare premium, and we offer multiple healthcare plan options, including a high deductible plan. All medical plans provide 100% coverage for in-network preventative care, AND you and your family have access to vision, dental, telemedicine, 24/7 mental health professionals, and much more!</li><li>Develop and Grow! Take advantage of educational benefits like industry leading training programs, top-notch tuition assistance programs, employee resource groups, and mentoring.</li><li>Plan Ahead! Plan for those big moments in life with benefits like fertility/IVF/adoption assistance, college coaching, national discount programs, interactive monthly financial workshops, free financial coaching, and more. You can also start a savings account or consider financing through our State Farm Federal Credit Union!</li><li>Take a Little “You” Time! You will have access to our generous time off policies designed so you can plan around holidays, family events, volunteering, or just to take a relaxing day off. With the opportunity to initially earn up to 20 days annually plus parental leave, paid holidays, celebration day, life leave (40 hours/year), bereavement leave, and community service/education support days, there will be plenty of time for you!</li><li>Give Back! We offer several ways to give back through our Matching Gift Program, Good Neighbor Grant Program, and the Employee Assistance Fund.</li><li>Finish Strong! Plan for retirement using free financial advisors and a 401(k) plan with company contributions of up to 7% of your salary.</li></ul>Visit our <a href="https://jobs.statefarm.com/main" rel="nofollow noopener noreferrer" target="_blank">State Farm Careers</a> page for more information on our <a href="https://jobs.statefarm.com/employee-benefits" rel="nofollow noopener noreferrer" target="_blank">benefits</a>, <a href="https://jobs.statefarm.com/office-locations" rel="nofollow noopener noreferrer" target="_blank">locations</a>, and the <a href="https://jobs.statefarm.com/employment-process" rel="nofollow noopener noreferrer" target="_blank">hiring process</a> of joining the State Farm team!PMCL IN22 PI265983238

Customers and communities rely on us to help them face life's uncertainties. They come to us for guidance with insurance needs, financial planning, and strengthening the community.

State Farm

Claim Specialist - Property Field Inspection

Claims Management

Claims Processing

Coaching

Commercial Construction

Commercial Real Estate

Construction

Cost Estimates

Customer Support/Service

Data Collection

Detail Oriented

Driver's License

Health Plan

Healthcare

Home Inspections

Industry Standards

Interpersonal Skills

Maintain Compliance

Mobile Plant/Equipment

Operational Audit

Organizational Skills

Policy Evaluation

Property Insurance

Regulatory Compliance

Reporting Skills

Residential Construction

Retirement Planning

Site Evaluation

Willing to Travel

Work From Home

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