Temporary Associate Underwriter – Independent Contractor

About Delos Insurance Solutions Delos Insurance Solutions is a tech-enabled MGA focused on underwriting complex homeowners risks, particularly in catastrophe-exposed regions. We combine proprietary risk models with a modern tech stack and deep insurance expertise. Backed by top-tier VCs, we’re growing rapidly and are looking for high-impact team members to help us scale. An active California Property & Casualty (P&C) license is required for this position Contract Details • Temporary independent contractor engagement. • Anticipated workload of approximately 30–40 hours per week . • Contract expected to continue through December 31, 2026 . • This is a 1099 independent contractor position and is not eligible for employee benefits. Key Responsibilities Core Underwriting Execution • Review, assess, and underwrite new business and renewal submissions across homeowners and other residential property lines. • Handle ongoing underwriting work, including inspection reviews, endorsements, system tasks, and related activities. • Meet established production expectations for the Associate Underwriter function. • Apply sound judgment when evaluating property risk characteristics in relation to underwriting guidelines and risk appetite. • Identify and select profitable risks aligned with company goals while avoiding adverse selection. Authority Level • Adhere to established underwriting and process guidelines, including applicable effective-date requirements. • Refer guideline exceptions to an Underwriter or Senior Underwriter for approval. Agent Communication • Serve as an underwriting contact for appointed agents by responding to questions, clarifying risk appetite, and supporting quality submissions. • Provide timely and professional communication to external distribution partners and internal stakeholders. • Collaborate with the distribution team to provide underwriting support or training as needed. Required Skills and Experience • Active California Property & Casualty (P&C) license required. • 2–4 years of property underwriting or related personal lines insurance experience, preferably focused on homeowners, dwelling fire, or other residential property lines. • Experience with risk selection, underwriting execution, claims, customer service, or other related personal lines insurance functions. • Strong communication skills with a customer-service mindset when working with agents and producers. • Experience using underwriting platforms, exposure tools, or BI dashboards. • Ability to manage multiple priorities and collaborate effectively. • Strong attention to detail and sound judgment in balancing risk and business objectives. • Proficiency with Excel, Word, PowerPoint, Adobe, and other standard business software. Preferred Skills and Experience • Industry designations such as CPCU or ARM. • Familiarity with California property underwriting. • Familiarity with wildfire, hurricane, or other catastrophe-exposed risks. • Experience within MGA, E&S, or non-admitted environments. • Commercial property experience. • Interest in improving underwriting workflows and processes. • Interest in how climate and data are reshaping insurance risk. Originally posted on Himalayas