Senior Fleet Underwriter

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Nirvana Insurance

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51 - 200 employees

Nirvana is on a mission to modernize commercial insurance and enable a safer world. Our technology platform delivers modern insurance & risk management to not only help our customers protect their businesses, but actually improve safety for everyone.

📋 Description

• Review AI-generated submission analyses, pricing outputs, and exposure summaries—treating every output as a first draft and identifying what the model missed before making a decision. • Make fast, precise underwriting decisions on commercial trucking accounts, knowing when to approve, modify, decline, or escalate. • Catch inconsistencies in submission data that AI may miss: contradictions across operation class, mileage, commodity, FMCSA safety scores, DOT history, and loss run patterns. • Read and explain all pricing components—tier, experience mod, territory factor, schedule mod—and build a rate rationale you can walk a broker through without reconstructing the math. • Track carrier appetite, competitive positioning, and where Nirvana wins and where it doesn’t; when a broker asks “where does this land?” you answer from experience, not a guess. • Build and deepen broker relationships proactively. Be the underwriter brokers call with their best accounts because they trust you to respond quickly, price fairly, and not waste their time. • Lead deal negotiations with a clear floor, a story, and a position. Understand the broker’s situation and competitive set—know when to move and when to hold. • Present coverage, pricing, and Nirvana’s value proposition to insured leadership teams—including CFOs and fleet managers—with confidence and clarity on large accounts. • Document model blind spots with specific account-tied context and share structured feedback with Product to improve AI accuracy over time. This is part of the job, not optional. • Mentor junior underwriters on risk identification, pricing fluency, broker engagement, and how to work effectively alongside AI tools.

🎯 Requirements

• 5+ years of commercial trucking underwriting experience with a track record of writing profitable business. • Deep technical knowledge of trucking operations, classes of business, FMCSA/DOT data, commodity risk, and loss run analysis—you catch what the model misses. • Pricing fluency across all components: tier, experience mod, territory factor, schedule mod. You know when a number is right, when it’s defensible, and when it’s wrong. • Demonstrated ability to build trusted broker relationships and win competitive accounts—brokers bring you their best business because you’ve earned it. • Comfort with deal negotiation. You go in with a floor, a story, and a position. You know the difference between being agreeable and closing. • Executive presence: you can present coverage and pricing to a CFO or fleet director, absorb hard questions, and make the insured feel confident before they sign. • Collaborative mindset and genuine interest in working alongside AI tools—and actively improving them through structured feedback.

🏖️ Benefits

• Competitive salary & equity • Medical, dental & vision insurance • 401k with company match • Unlimited PTO • Work from home friendly