Underwriter of Commercial D&O

Bowhead Specialty, partnering with American Family (rated A XV by A.M. Best) is a best in class insurance underwriting operation focused on Management Liability, Excess Casualty, Errors & Omissions and Healthcare. Our company is dynamic and growing. We encourage those who join us to be active participants in building our future.

Position Summary

We have an exciting opportunity to join our growing Commercial D&O team. We are seeking an experienced and highly skilled Underwriter to join our D&O team. The successful candidate will be responsible for assessing risks, underwriting D&O insurance policies, and developing tailored insurance solutions for our clients. The ideal candidate is motivated to build and manage a book of profitable business while contributing to product development and special projects as requested. This individual must be a savvy, ambitious team player with a strong marketing persona.

Responsibilities

Underwriting & Risk Evaluation

• Underwrite primary and excess Commercial D&O

• Analyze:

• Liquidity and cash runway

• Debt structure, capital markets transactions

• Corporate governance

• CapitalizationTable

• Stock volatility and trading volume

• Sector‑specific exposures (biotech, tech, fintech, energy, etc.

• Assess risks related to:

• Securities class action (SCA) frequency

• M&A vulnerability

• Going‑concern language

• Restatements and regulatory investigations

• Make pricing and coverage decisions aligned with guidelines and loss trends.

Portfolio Management

• Maintain a profitable, diversified portfolio of risks across industries.
• Implement portfolio controls including attachment strategies, retentions, and co‑insurance.
• Partner with Actuarial and Claims to monitor emerging trends in small‑cap litigation.

Broker & Market Engagement

• Build strong relationships with brokerage community (retail and wholesale)
• Negotiate terms and conditions in a competitive market while maintaining underwriting discipline.
• Represent the carrier at broker meetings, industry events, and insured presentations.

Internal Collaboration

• Collaborate with:
• Claims on frequency/causation trends
• Actuarial on pricing models
• Legal on manuscript wording
• Product on appetite refinement
• Other Bowhead product lines for cross marketing opportunities
• Contribute to guideline updates to reflect market changes.

Qualifications

• 3-7 years of Commercial D&O or Financial Lines underwriting experience.
• Strong knowledge of public company financial metrics, governance practices, securities litigation trends, and sector‑specific risk indicators.
• Proven ability to manage broker relationships and negotiate terms effectively.
• Proficiency in financial analysis and comfort underwriting complex risks.
• Strong communication, presentation, and relationship‑building skills.
• Bachelor's degree required; CPCU, RPLU, or related credential a plus.