Underwriter jobs in Shawnee, KS

Senior Underwriter - UW08CA Underwriter - UW08CB We're determined to make a difference and are proud to be an insurance company that goes well beyond coverages and policies. Working here means having every opportunity to achieve your goals - and to help others accomplish theirs, too. Join our team as we help shape the future. We're in the business of helping people achieve amazing things by protecting the things that matter most. And you can help us when you join our team of underwriters. They're at the center of everything we do - and by joining us, you'll be on a team known throughout the industry for providing our customers with just the right amount of coverage they need to pursue their unique interests. Your underwriting career here means collaboration, inclusivity, innovative thinking and so much more. Here, doing things the way they've always been done isn't a part of the job. Here, you'll be putting your creative insights to work with other underwriters and leaders, having a seat at the table with key decision makers. And you'll have any number of opportunities for your career to grow in whatever direction you choose. The Hartford's Umbrella and Excess team provides a valuable risk management tool that can help midsize and large businesses survive a significant liability claim that exceeds the limits of primary coverage. We deliver specialized umbrella and excess solutions in a variety of industries for middle and large business clients. And our highly experienced, responsive and accessible team is the driving force behind our best-in-class underwriting, claim and risk engineering capabilities. Responsibilities: * Providing technical underwriting expertise in the risk selection, pricing, administration and account management of the Umbrella and Excess book of business. * Profitably write and balance the book. * Identify appropriate opportunities consistent with risk appetite. * Creates, drives and executes on strategies for new and renewal accounts. * Consults and provides solutions. * Effectively provides excellent account management service of an assigned territory through strategic planning and operational excellence. Has the ability to tailor a service plan for each client based on their individual needs. * Positively impacts and influences final account pricing and terms. * Establishes and maintains a strong account pipeline. * Manages the sales process including planning, operating routines, and monitoring. * Is well versed about every aspect of The Hartford's Value proposition to best position us for success. * Being professionally demanding and holding internal and external customers accountable. Qualifications: * 1 + years of Commercial P&C Carrier Umbrella, Excess and/or loss sensitive Primary Casualty Underwriting experience * Demonstrated success in developing and maintaining solid relationships with all internal and external business partners * Excellent communication, interpersonal and presentation skills * An ability to think analytically about business problems, make recommendations and propose solutions * High energy self-starter, who is resilient and has an entrepreneurial spirit * Demonstration of solid time, organizational, and desk management skills * Goal-oriented and delivers outcomes * Ability to challenge the status quo and strong desire to win * Superior technical knowledge and sound decision-making and analytical skills * Position title and level will be determined upon careful review of the selected candidate's qualifications and experience* Location: This role will have a Hybrid work arrangement, with the expectation of working in the Chicago, IL or Overland Park, KS office three days a week (Tuesday through Thursday). Compensation The listed annualized base pay range is primarily based on analysis of similar positions in the external market. Actual base pay could vary and may be above or below the listed range based on factors including but not limited to performance, proficiency and demonstration of competencies required for the role. The base pay is just one component of The Hartford's total compensation package for employees. Other rewards may include short-term or annual bonuses, long-term incentives, and on-the-spot recognition. The annualized base pay range for this role is: $78,000 - $148,200 The posted salary range reflects our ability to hire at different position titles and levels depending on background and experience. Equal Opportunity Employer/Sex/Race/Color/Veterans/Disability/Sexual Orientation/Gender Identity or Expression/Religion/Age About Us | Our Culture | What It's Like to Work Here | Perks & Benefits

Who Are We? Taking care of our customers, our communities and each other. That's the Travelers Promise. By honoring this commitment, we have maintained our reputation as one of the best property casualty insurers in the industry for over 170 years. Join us to discover a culture that is rooted in innovation and thrives on collaboration. Imagine loving what you do and where you do it. Job Category Underwriting Compensation Overview The annual base salary range provided for this position is a nationwide market range and represents a broad range of salaries for this role across the country. The actual salary for this position will be determined by a number of factors, including the scope, complexity and location of the role; the skills, education, training, credentials and experience of the candidate; and other conditions of employment. As part of our comprehensive compensation and benefits program, employees are also eligible for performance-based cash incentive awards. Salary Range $81,500.00 - $134,500.00 Target Openings 1 What Is the Opportunity? The Boiler & Machinery (Equipment Breakdown) Business Center underwrites and negotiates low to mid-sized Boiler & Machinery new and renewal business accounts for assigned agents, brokers, client companies, and/or internal business unit partners. The Account Executive (AE), Boiler & Machinery Business Center is responsible for account profitability, growth, and retention consistent with Travelers underwriting and marketing strategies and in coordination with Boiler & Machinery and BoilerRe Account Executives. As an AE, you will collaborate with internal and external partners to provide coverage for new and/or renewal business based on customers' needs and hold responsibility for a routine to complex book of business in a high-volume environment. At this level, you are expected to demonstrate a seasoned understanding of Boiler & Machinery underwriting, marketing, products, and services. What Will You Do? * Manage the profitability, growth, and retention of an assigned book of business. * Underwrite and negotiate a mix of routine and more complex accounts to minimize risk and maximize profitability by performing appropriate underwriting analysis while following underwriting compliance guidelines and best practices. * Cultivate and maintain relationships with internal partners within the business unit and across the enterprise to support market penetration objectives and identify cross-selling opportunities. * Foster relationships with external partners by delivering seamless underwriting experiences and solutions. * Identify and capture new business opportunities using consultative marketing and sales skills. * Support the execution of agency, region, and group sales plans. * May assist in the training and mentoring of less experienced Account Executives. * May undertake individual or collaborative project work. * Perform other duties as assigned. What Will Our Ideal Candidate Have? * Bachelor's degree. * Three to five years of relevant underwriting experience with experience in Boiler & Machinery (Equipment Breakdown). * Strong knowledge of Boiler & Machinery products, the regulatory environment, and the local insurance market. * Strong critical thinking skills with the ability to identify routine underwriting, marketing, or financial challenges and analyze available information to make decisions in alignment with our risk appetite. * Automation platform skills with the use of management information tools, rating systems and Microsoft applications such as Word, Excel, Outlook, etc. * Organization and time management skills that allow the management of multiple tasks, prioritization and effective work outcomes in a fast-paced, detail-oriented environment. * Sales and negotiation skills. * Collaboration skills to establish strong relationships and network within the Enterprise and externally. * Strong communication, awareness and influence skills in the disciplines of interpersonal and small group communications as well as appropriate and effective written communication. * CPCU designation. What is a Must Have? * Two years of underwriting, claim, operations, risk assessment, actuarial, sales, product, or finance experience. What Is in It for You? * Health Insurance: Employees and their eligible family members - including spouses, domestic partners, and children - are eligible for coverage from the first day of employment. * Retirement: Travelers matches your 401(k) contributions dollar-for-dollar up to your first 5% of eligible pay, subject to an annual maximum. If you have student loan debt, you can enroll in the Paying it Forward Savings Program. When you make a payment toward your student loan, Travelers will make an annual contribution into your 401(k) account. You are also eligible for a Pension Plan that is 100% funded by Travelers. * Paid Time Off: Start your career at Travelers with a minimum of 20 days Paid Time Off annually, plus nine paid company Holidays. * Wellness Program: The Travelers wellness program is comprised of tools, discounts and resources that empower you to achieve your wellness goals and caregiving needs. In addition, our mental health program provides access to free professional counseling services, health coaching and other resources to support your daily life needs. * Volunteer Encouragement: We have a deep commitment to the communities we serve and encourage our employees to get involved. Travelers has a Matching Gift and Volunteer Rewards program that enables you to give back to the charity of your choice. Employment Practices Travelers is an equal opportunity employer. We value the unique abilities and talents each individual brings to our organization and recognize that we benefit in numerous ways from our differences. In accordance with local law, candidates seeking employment in Colorado are not required to disclose dates of attendance at or graduation from educational institutions. If you are a candidate and have specific questions regarding the physical requirements of this role, please send us an email so we may assist you. Travelers reserves the right to fill this position at a level above or below the level included in this posting. To learn more about our comprehensive benefit programs please visit *********************************************************

Allied National is seeking an experienced Medical Underwriter to join our Underwriting Department. The Underwriting Department applies the knowledge of Allied's products, plan documents, underwriting manuals and computer systems. The Underwriter will work in a team atmosphere utilizing not only their own expertise but also the expertise of their peer group. As the voice of Allied underwriting, communication with the Account Executives and our customers is a critical component of this position. Utilizing medical expertise in the overall risk evaluation and rate recommendation is essential for this position. Must be proficient in all functions in Levels 1, 2 & 3 in accordance with department quality and quantity production standards. Underwrite New Business according to parameter guidelines and determine eligibility of a group for health insurance based upon a review of all eligibility information that has been obtained. Review Medical Load Report prepared by level 2, and evaluate appropriate medical risk. Review Participation Worksheet and Group Eligibility prepared by level 2. Review Current Carrier Bills and Renewal Rates and compare to census presented and Allied generated rates. Conduct employer phone call and as needed contact individual applicants for additional health information and or clarification. Create Self-Funded Accounts in AI. Review monthly manual dental renewals, populate spreadsheet with rating recommendations to be approved by underwriting management. Requirements High School graduate or equivalent. One to two years related work experience or equivalent college education. Certification in Medical Terminology I and II. Ability to comprehend and interpret information directly from product brochures, certificates and insurance contracts. Basic mathematics skills. Minimum 4 years of office experience or equivalent college education. Knowledge and understanding of medical terminology. Very strong knowledge and understanding of medical terminology. Minimum 3 years experience in the insurance industry, including 1-2 years experience in group and individual medical underwriting preferred, or equivalent medical background.

Alta Risk, LLC is looking for an Assistant Underwriter for their company headquarters in Overland Park, Kansas. The primary responsibility of the Assistant Underwriter is to provide support to the new/renewal underwriters. This includes managing the binding, billing, and policy issuance process as well as providing superior services to all of Alta Risk's new and existing policyholders. ESSENTIAL DUTIES AND RESPONSIBILITIES Essential job functions include, but are not limited to: Binding: Ensure all required information, including the final quotes and checklists are received and uploaded into management system and prepare and issue binders/invoices that match final quotes within 24 hours. Subjectivities: Maintain and service the underwriting file to ensure all required underwriting information is received and administer timely follow-ups to brokers for subjectivities required. Policy Issuance: Order policies to be typed after binder completion and provide timely responses to Issuance Teams' questions for issuance to brokers. Endorsements: Review and send requests to Issuance Team within 24 hours. Notice of Cancellations: Order timely Notice of Cancellations for accounts who fail to provide required subjectivities and/or underlying policy requirements. Other projects as assigned. KNOWLEDGE/EXPERIENCE: Full understanding and application of concepts, practices and procedures related to insurance, typically acquired through a high school diploma or equivalent. NECESSARY SKILLS/ATTRIBUTES Ability to interact/develop relationships at all levels both internally and externally Manage strict details Handle multiple tasks Proficient computer knowledge including, but not limited to, Microsoft Office Verbal/written communication skills and math skills Ability to resolve moderately complex problems Organize tasks effectively Heavy word processing/keying required Work is performed under immediate to general supervision, following well-defined instructions, policies, and procedures PHYSICAL/MENTAL DEMANDS AND WORKING CONDITIONS Frequently uses PC and/or computer terminal Frequently uses telephone and/or headset Sits for long periods May bend, twist and /or stoop May kneel, crouch and/or crawl May occasionally reach, push and/or pull with arms Frequently uses hands to handle, finger and/or feel Frequently operates office equipment Moves throughout the department/facility Lifts/moves items weighing up to 25 lbs.

Forrest T. Jones & Company, Inc., and its affiliates (“FTJ”), provide insurance and insurance-related services to clients, corporations, employers and individuals. These services include providing benefits through innovative life and health insurance plans, financial services, and customized insurance products for niche markets. Position Summary In the role of Underwriter Coordinator, you will work closely with the company who is contracted to analyze risk selection for individually issued life, disability and health coverages on behalf of Fidelity Security Life Insurance Company. In addition, this position will be required to work with various insurance companies that contract with Forrest T. Jones & Company for insurance administrative services. In this position you will be responsible for coordinating submission of applications, assisting with ordering medical information when needed, work with MIB, Datafied and a variety of other vendors to obtain information as needed. Expectations Assists proposed insureds with special problems encountered (such as waiver removals). Answers reinsurance companies' questions regarding proposed insureds, and medical questions referred from Customer Service. Assists Executive and Marketing Departments with special cases. Determines by interpreting Medical Information Bureau (MIB) codes if additional medical requirements are necessary. Audits MIB codes to ensure compliance. Evaluates claims history for risk adverse selection, and determines morbidity and mortality by reviewing claim files. Orders requirements needed to evaluate risk. Assists Underwriting Support by providing staff with answers to questions from proposed insureds. Composes letters to physicians explaining and insureds medical condition and the reason for an underwriting decision. Performs other related duties as assigned and required. Competencies Proficient knowledge of Individual Underwriting procedures/practices. Proficient knowledge of Word and Excel. Proficient knowledge of computer systems. Comprehensive understanding of medical coding and medical terminology. Extremely detailed oriented with proficient organizational skills. Excellent customer skills in handling insureds, outside vendors and Insurance Companies. Requisites Prior Underwriting experience helpful Advanced analytical skills and medical knowledge We offer comprehensive benefits to full-time employees including company-paid medical, STD, LTD and life insurance plus voluntary dental, vision, life/AD&D insurance, 401(k) with company matching, generous paid time off and much more. We encourage applicants of all ages and experience, as we do not discriminate on the basis of an applicant's age. ALL OFFERS OF EMPLOYMENT ARE CONTINGENT UPON THE PASSING OF A DRUG SCREEN AND BACKGROUND CHECK.

We're thrilled that you are interested in joining us here at the Amynta Group! The Production (Producing) Underwriter is responsible for underwriting and marketing accounts throughout approved states/territories. Develop new business, manage assigned agencies, select advantageous risks and build a profitable portfolio of accounts. Represent the Amynta Group and meet with identified insurance agencies to develop relationships with the agents and promote your company's products and services. Work with the underwriting department to analyze the financial risk of applicants that come in through that agency and determine if they qualify for coverage. Monitor loss ratios for Carriers and Agents and take corrective action when possible to remain profitable. Regularly make marketing presentations to prospective clients. Manage and develop agent performance and the book of business through personal analysis. Analyze information in insurance applications, supplemental reports, studies, data and related information in order to determine if a risk meets acceptable criteria. We're thrilled that you are interested in joining us here at the Amynta Group! The Production Underwriter is responsible for underwriting and marketing accounts throughout approved states/territories. The Production Underwriter is a key part of the production underwriting capabilities of Amynta Dealer Solutions. This position will report to the VP, Amynta Dealer Solutions and job grade will be based on experience and capabilities. The Production underwriter will own the results of their book of business and will engage in activities tied to risk selection and to customer service. Amynta Dealer Solutions is Amynta's leading dealer program offering a full suite of industry leading property, casualty and specialty products for dealerships within multiple industry verticals. Our team is growing, and we are looking for individuals with insurance experience or the right passion for taking care of customers. The Production Underwriter role can be filled by individuals with experience as account managers, or underwriters with experience on the carrier, MGA/MGU or agent side. We are also willing to train the right candidate. If you have a growth mind set, individual accountability, critical thinking, and are detail oriented. As we grow, there will be additional personal and career development opportunities that can be aligned with your core capabilities and personal growth objectives in our underwriting, sales, marketing, data analytics or operation management teams. If you love to drive creative solutions, want to help people and want to be part of a dynamic team, please apply. Essential Duties & Responsibilities Production underwriter owns the results of their book of business and will be compensated on annual and long-term profitability. A production underwriter maintains balance between distribution and risk selection to drive profitable growth. A production underwriter understands how their book fits in to the broader portfolio strategy. A production underwriter has agent/broker relationships. Engage in activities to generate submissions Maintain and lead the relationship with their assigned agents. Engage in activities to close accounts Relationship Management Work with key internal stakeholders to develop and maintain product-specific business development plans identifying, segmenting, detailing and evaluating potential broker and agent prospects, and executing such plan to ensure that Amynta generates targeted levels of growth and ‘hit' ratios in this market. Lead in the education of the broker market on the products in a way that creates a need to buy, highlights our competitive differentiation, illustrate the need for service led products to grow the brand and facilitate the placement of new business with Beazley with a particular focus on new relationships. Raise the profile of Amynta Dealer Solutions within the broker community increasing the strength of relationships within the broker market to achieve a highly productive level of consistent, strong producer relationships over time. Track metrics around broker engagements maintaining actions and follow ups from visits and share client and broker feedback on product with key stakeholders in a structured manner. Ensure we remain front of mind of brokers by planning and engaging in regular virtual/face-to-face meetings while acting as a contact point for broker queries and product education engaging in appropriate communication via social media. Responsibilities Develop and underwrite a profitable portfolio in support of business plans. Structure tailor-made solutions by considering the team underwriting parameters and underwriting exposures leveraging underwriting knowledge and experience to win new business and retain existing. Monitor premiums, costs and claims ratios per contract and take corrective measures if necessary, to ensure long term profitability at account level. Evaluate appropriate risk premium by considering the risk costs, reinsurance cessions, capital exposure as well as the underwriting and general administration costs to ensure profitability. Comply with underwriting control standards for business written through delegated authority. Additional Responsibilities Engage with all levels of leadership to solve problems Assist in development of internal and external materials Support business unit leadership with presentations and special projects as Centers of Expertise or as assigned. Qualifications Sr. Production Underwriter: Bachelor's Degree or 5-7+ years of production underwriting experience or equivalent work experience. Production Underwriter: Bachelor's Degree or 2+ years of commercial underwriting experience or equivalent work experience. Proven sales results and client service experience Knowledge of underwriting philosophy, processes, and practice Extensive experience in the insurance industry ideally within an underwriting, broking, relationship management or sales role Strong analytical skills and critical thinking skills with great attention to details Individually accountable Effective relationship management skills with customer focused approach Ability to develop tactical underwriting plan and execute on its implementation Active listening and emotional intelligence Ability to work independently for significant periods of time Strong business development and communication skills Proficient with MS Office including Excel skills Able to communicate effectively with others, both verbally and in writing Ability to manage time, meet deadlines, and prioritize to meet sales target Property & Casualty Agent's license in residing state, or willingness to obtain CPCU, AU-M, CIC designations a plus Willingness & ability to travel for agency visits, industry functions, training and seminars. Continuing education to maintain necessary credentials Problem solving focused, self-motivated, flexible and enthusiastic The Amynta Group (the “Company”) is committed to a policy of Equal Employment Opportunity and will not discriminate against an applicant or employee on the basis of any ground of discrimination protected by applicable human rights legislation. The information collected is solely used to determine suitability for employment, verify identity and maintain employment statistics on applicants. Applicants with disabilities may be entitled to reasonable accommodation throughout the recruitment process in accordance with applicable human rights and accessibility legislation. A reasonable accommodation is an adjustment to processes, procedures, methods of conveying information and/or the physical environment, which may include the provision of additional support, in order to remove barriers a candidate may face during recruitment such that each candidate has an equal employment opportunity. The Company will accommodate a candidate to the point of undue hardship. Please inform the Company's personnel representative if you require any accommodation in the application process.

At TreviPay, we believe loyalty begins at the payment. Thousands of sellers use our global B2B payments and invoicing network to provide choice and convenience to buyers, open new markets and automate accounts receivables. With integrations to top eCommerce and ERP solutions and flexible trade credit options, TreviPay brings 40 years of experience serving leaders in manufacturing, retail and transportation. Every day, TreviPay employees are challenged and empowered in a supportive, collaborative, entrepreneurial environment. The Credit Underwriter III is adynamic global credit risk role within a best-in-class risk team, helping drive sustainable growth while managing risk to prescribed levels. They are responsible for analyzing and supporting credit decisions for larger public or privately held businesses across several industries and geographic locations, ensuring decisions are rendered timely and within stated risk appetite. They collaborate across multiple risk and business teams to meet client credit needs while proactively ensuring a robust culture of compliance with risk appetite. Responsibilities: o Evaluate international, multi-industry commercial credit applicants for creditworthiness, assessing complex financial documents, industry/country risks, and payment behavior profiles. o Leverage internal and external data to assess risk and creditworthiness. o Provide structure and decision recommendations within stated risk appetite. o Hold a level of credit approval authority and occasionally interact directly with applicants. o Work independently without direct supervision. o Communicate efficiently and effectively with senior management to elevate credit issues. o Help drive and support innovation and continuous efficiency improvement. Requirements: o Bachelor's or Master's degree in Accounting, Finance or equivalent; or formal financial analysis training and credit assessment courses.o 7+ years of commercial credit underwriting experience.o Experience using at least $500,000 individual credit authority. o Foundational knowledge of commercial business credit philosophy and policies, loan documentation, bankruptcy, and regulatory environment. o Strong verbal, written, and interpersonal skills. o Strong analytical and problem-solving skills. o Ability to formulate and articulate objective views based upon professional analysis. o Works effectively in a team environment, while assuming individual responsibility. Preferred Qualifications: o Experience with Moody's CreditLens.o Experience in fraud detection best practices associated with on-line lending. o Experience with international lending. o Multiple language capabilities.Why you will love working at TreviPay· Competitive salary· Paid parental leave· Generous paid time off· Medical, dental, vision, FSA, Life/AD&D, long and short term disability· 401K matching· Employee referral program At TreviPay we believe:· in saying yes to unique and challenging requirements· empowered team members are creative team members· our products make the customer's day just a little bit better· work/life balance makes us all more effective TreviPay is an Equal Opportunity and Affirmative Action Employer. We welcome all veterans and disabled applicants. Individuals with disabilities will be provided reasonable accommodation to participate in the job application and/or interview process. Please contact *********************** to request an accommodation.

Built on meritocracy, our unique company culture rewards self-starters and those who are committed to doing what is best for our customers. Arrowhead Automotive Aftermarket is looking for an Underwriter Trainee to join our team. In this position, you will learn to underwrite and analyze new and renewal business. This position will work within defined guidelines and authority to evaluate risks of low complexity and will ensure adherence to underwriting rules, regulations, and insurance laws as applicable. Arrowhead Automotive Aftermarket, operating as a division of Brown & Brown Insurance, is a narrowly focused market leader in providing insurance products and services to automotive aftermarket business owners and their employees. Our specialized approach offers exclusive access to business insurance programs via our program administrator Arrowhead General Insurance Agency, Inc. Arrowhead Automotive Aftermarket offers a benefits and compensation package that meets today's most important needs and includes: A challenging and stimulating career that provides growth and development. Group medical, dental, vision, life, and disability benefits. Paid time off and a 401(k) retirement plan as well as an Employee Stock Purchase Plan that allows our employees to purchase Brown & Brown stock at a discounted rate. If you want to be part of a growing organization that is energetic and driven, contact us today. JOB DUTIES: Accepts, modifies, or declines new and renewal submissions within delegated authority. Executes underwriting activities and requirements as established by the program. Monitors and reviews new and renewal business results to ensure growth and profitability as established by the program. Consistently adheres to underwriting letter of authority, guidelines, and insurance laws. Other duties as assigned. REQUIREMENTS: Bachelor's degree and zero to one year related experience in the insurance industry and/or an equivalent combination of education and experience. Ability to effectively present information. Ability to define problems, collect data, establish facts, and draw valid conclusions. Have high levels of accuracy and detail along with a specific focus on timeliness, productivity, and quality. Able to prioritize and manage multiple tasks. Excellent written and oral communication skills. For more information about Arrowhead's Automotive Aftermarket Division, please visit our website at ********************* Teammate Benefits & Total Well-Being We go beyond standard benefits, focusing on the total well-being of our teammates, including: Health Benefits : Medical/Rx, Dental, Vision, Life Insurance, Disability Insurance Financial Benefits : ESPP; 401k; Student Loan Assistance; Tuition Reimbursement Mental Health & Wellness : Free Mental Health & Enhanced Advocacy Services Beyond Benefits : Paid Time Off, Holidays, Preferred Partner Discounts and more. Not reflective of all benefits. Enrollment waiting periods or eligibility criteria may apply to certain benefits. Benefit details and offerings may vary for subsidiary entities or in specific geographic locations. The Power To Be Yourself As an Equal Opportunity Employer, we are committed to fostering an inclusive environment comprised of people from all backgrounds, with a variety of experiences and perspectives, guided by our Diversity, Inclusion & Belonging (DIB) motto, “The Power to Be Yourself”.

Built on meritocracy, our unique company culture rewards self-starters and those who are committed to doing what is best for our customers. Arrowhead Automotive Aftermarket is looking for an Underwriter Trainee to join our team. In this position, you will learn to underwrite and analyze new and renewal business. This position will work within defined guidelines and authority to evaluate risks of low complexity and will ensure adherence to underwriting rules, regulations, and insurance laws as applicable. Arrowhead Automotive Aftermarket, operating as a division of Brown & Brown Insurance, is a narrowly focused market leader in providing insurance products and services to automotive aftermarket business owners and their employees. Our specialized approach offers exclusive access to business insurance programs via our program administrator Arrowhead General Insurance Agency, Inc. Arrowhead Automotive Aftermarket offers a benefits and compensation package that meets today's most important needs and includes: A challenging and stimulating career that provides growth and development. Group medical, dental, vision, life, and disability benefits. Paid time off and a 401(k) retirement plan as well as an Employee Stock Purchase Plan that allows our employees to purchase Brown & Brown stock at a discounted rate. If you want to be part of a growing organization that is energetic and driven, contact us today. JOB DUTIES: Accepts, modifies, or declines new and renewal submissions within delegated authority. Executes underwriting activities and requirements as established by the program. Monitors and reviews new and renewal business results to ensure growth and profitability as established by the program. Consistently adheres to underwriting letter of authority, guidelines, and insurance laws. Other duties as assigned. REQUIREMENTS: Bachelor's degree and zero to one year related experience in the insurance industry and/or an equivalent combination of education and experience. Ability to effectively present information. Ability to define problems, collect data, establish facts, and draw valid conclusions. Have high levels of accuracy and detail along with a specific focus on timeliness, productivity, and quality. Able to prioritize and manage multiple tasks. Excellent written and oral communication skills. For more information about Arrowhead's Automotive Aftermarket Division, please visit our website at ********************* Teammate Benefits & Total Well-Being We go beyond standard benefits, focusing on the total well-being of our teammates, including: Health Benefits : Medical/Rx, Dental, Vision, Life Insurance, Disability Insurance Financial Benefits : ESPP; 401k; Student Loan Assistance; Tuition Reimbursement Mental Health & Wellness : Free Mental Health & Enhanced Advocacy Services Beyond Benefits : Paid Time Off, Holidays, Preferred Partner Discounts and more. Not reflective of all benefits. Enrollment waiting periods or eligibility criteria may apply to certain benefits. Benefit details and offerings may vary for subsidiary entities or in specific geographic locations. The Power To Be Yourself As an Equal Opportunity Employer, we are committed to fostering an inclusive environment comprised of people from all backgrounds, with a variety of experiences and perspectives, guided by our Diversity, Inclusion & Belonging (DIB) motto, “The Power to Be Yourself”.

We are a thriving Managing General Insurance Agency and Wholesale Broker seeking a dedicated Underwriter to join our team. This role involves managing a book of business and requires the ability to underwrite and broker accounts as needed. This position entails significant email, phone, and computer work. MINIMUM QUALIFICATION OR EQUIVALENTS EDUCATION: Four-year college degree. (Preferred) EXPERIENCE: 5+ years in Professional Lines or equivalent experience (preferred). LICENSURE OR CERTIFICATION: State Property & Casualty Brokers License SKILLS: Deep understanding of program underwriting guidelines. Broad knowledge of coverages and markets. Strong time management, interpersonal communication, and negotiation skills. Decision-making ability, verbal and numerical aptitude. Detail-oriented with a strong work ethic. Excellent communication skills with tact, judgment, empathy, enthusiasm, and professional business etiquette. Ability to maintain confidentiality and integrity. Team player with the ability to work in a fast-paced environment. Basic math skills for computing rates, ratios, and percentages. Strong analytical skills and attention to detail. III. ORGANIZATIONAL RELATIONSHIPS Reports to: Professional Lines Manager IV. WORKING CONDITIONS Typical office setting with extended/flexible hours. Full-time position, Monday-Friday, 40 hours per week. V. CONTACT WITH OTHERS Frequent and important contacts with carriers, producers, customers, outside agencies and staff. VI. EQUIPMENT USED/SPECIAL SKILLS REQUIRED Proficiency in computer systems, printer, phone. Strong interpersonal and negotiation skills. Proficient in Microsoft software, Internet, email, and general computer skills. VII. JOB DUTIES The job responsibilities and standards outlined below are intended to highlight the primary duties of the role. They do not encompass all minor tasks or additional responsibilities that may be assigned periodically. Evaluate insurance applications to ensure adherence to carrier guidelines, analyzing data to assess risk. Comply with established underwriting authority. Manage and organize electronic files according to company policies. Use statistical and actuarial data to assess claim probability. Build and maintain a book of new and renewal business. Mentor and guide Assistant and Associate team members. Process endorsement requests accurately. Maintain proactive communication with clients and agents regarding new and renewal business. Manage inbound inquiries, keeping detailed records and ensuring timely resolution. Prepare unqualified risks for consideration by alternative carriers. Organize and prioritize tasks to meet department goals. Stay updated on industry trends and incorporate insights into strategic planning. Engage in continuous professional development and specialized training in Professional Liability. Perform additional responsibilities as assigned.

INSURANCE SALES REPRESENTATIVE - REMOTE SALES - WORK FROM ANYWHERE! We offer Part-time and Full-time job opportunities everywhere in the United States.We are looking for motivated people who want to become financially independent and get a sense of significance in their work. We offer LICENSED PRODUCERS a very good opportunity for financial freedom! In addition, we help UNLICENSED AGENTS get through the LICENSING REQUIREMENTS and provide free training to help them achieve their goals. WHO WE ARE We are an independent broker of Living Benefits Life Insurance. We represent some of the largest insurance carriers in the USA and Canada. This is a place agents can (1) be their own boss and set their own schedules; (2) gain financial independence; and (3) get the respect and recognition they deserve. What do distributors do? We are hiring and training men and women to distribute a revolutionary new type of life insurance with Living Benefits. This allows the policy holder to accelerate the death benefit for their own use while they are still living. Living benefits are the best-kept secret of life insurance. This new type of insurance practically sells itself. These insurance agents service middle income America and we are looking for entrepreneurs who want to build their own distribution network. We are partnering with agency owners with a current sales force or we will train you to hire and build your own agency. The absolute best compensation in the industry - you literally determine your own income and income potential. Agents can earn commissions in excess of 140% of sales! We have an unmatched and proven hiring and onboarding system in place. Great carrier overrides and bonuses! Job requirements Life insurance license or willing to obtain one. You will need a valid drivers license and vehicle to travel to and from client appointments. Cell and laptop/tablet and/or IPAD are required as well. What do we offer? If you currently have a Life Insurance license, then you can be in the field within one week If you do not have a Life Insurance License, no problem! We can show you how to get one very easily - Most complete the requirements in one week or less! There is no income cap and we offer weekly bonuses, monthly bonuses, and a profit sharing program. Disclaimer: Compensation is 100% Commission and Bonus. Please be aware before applying for position Training is 100% FREE and it is the absolute best in the industry. We will train you to call, set, and run appointments from your home office. We offer the best leads in the industry. Our leads are new, qualified, and affordable. We have access to multiple vendors which ensures our agents high quality, low cost leads. Renewals are 100% vested from day one - there is no waiting period! Flexible schedule - you are your own boss and you set your own schedule Opportunity for advancement into leadership and management roles.

Lockton Affinity, based in Overland Park, Kansas, is seeking a Property and Casualty Underwriter to join our Underwriting Department and report to an Underwriting Executive. * Assess property and casualty insurance risks to determine eligibility, profitability, and desirability. Complete referrals, and make acceptance, rejection and pricing decisions aligned with program guidelines. * Oversee assigned programs and contribute to the development of new products for existing and new programs. * Collect and analyze relevant data to create accurate risk profiles, ensuring proper classification and pricing. * Approve underwriting transactions and bind coverage within delegated authority, maintaining thorough documentation of decision processes. * Partner with internal sales and marketing teams to drive business development opportunities while delivering superior customer service in a dynamic environment. * Prepare underwriting reports, reviews, and participate in departmental and committee meetings. * Adhere to underwriting guidelines and delegated underwriting authority, ensure compliance with quality standards, and consistently deliver high levels of customer satisfaction. * Exhibit tactful negotiation skills and contribute positively to team cohesion and work environment. * Safeguard sensitive information encountered during job duties. * Prepare written correspondence, analysis, reports, and memos as needed. * Participate in profit and loss evaluations on program performance and perform additional tasks as assigned. * Limited travel by automobile or aircraft may be required, including overnight stays.

Employment Type: Full-time, In-Office Department: Underwriting & Claims Salary: $65,000/year + equity Steadily is hiring an Assistant Underwriter to join our growing team in the Kansas City metro area. This is an exciting opportunity for someone who wants to start or grow their career in underwriting with one of the fastest-growing insurtech companies in the country. You'll work closely with experienced underwriters, support daily underwriting operations, and learn the skills needed to thrive in the insurance industry. This is a full-time, in-office position located in Overland Park, KS, where you'll be at the center of our insurance underwriting and claims operations. This is an entry level role and direct underwriting experience is not necessarily required. As an Assistant Underwriter, you will: * Learn and apply the underwriting appetite and guidelines of our programs - we aim to say yes whenever possible while mitigating risk * Work closely with underwriters on endorsements, tasks, renewals, applications, and quotes * Provide timely support to internal and external agents, often addressing time-sensitive requests that help define our brand * Process work across internal systems including Salesforce; quickly become a subject matter expert on our platforms * Troubleshoot complex customer service and underwriting issues such as billing, inspections, nuanced risk profiles, and more * Maintain high standards of accuracy in documenting underwriting files in our policy administration system What We're Looking For * Strong verbal and written communication skills; able to remain professional and diplomatic under pressure. While direct underwriting experience is not required, transferable skills in detail-oriented, problem-solving, or customer-facing roles are valuable * Tech-savviness and ability to learn new software systems quickly and independently * Thrives under pressure, manages a heavy workload with minimal oversight, and never says "that's not my job" * A hunger and excitement to grow rapidly in an earlier-stage insurtech; motivated to roll up your sleeves and hustle Compensation & Benefits * Salary: $65,000 per year * Equity: Stock options in a fast-growing company * Time Off: 3 weeks PTO + paid holidays * Benefits: Medical, dental, vision, life, disability, HSA, FSA, 401k * Perks: Free snacks, team lunches, collaborative culture Location & Schedule * Office located in Overland Park, KS (Kansas City Metro) * In-office schedule required; standard Monday-Friday business hours Steadily is building a workplace environment of team members who are passionate about working together in person. Our Kansas City office is central to our growth trajectory Why Join Steadily * Good company. Our founders have three successful startups under their belt and have recruited a stellar team to match. * Top compensation. We pay at the top of the Kansas City market (see comp). * Growth opportunity: We're an early-stage, fast-growing company where you'll wear a lot of hats and shape product decisions. * Strong backing. We're growing fast, we manage over $20 billion in risk, and we're exceptionally well-funded. * Culture: Steadily boasts a very unique culture that our teammates love. We call it like we see it and we're nothing if not candid. Plus, we love to have a good time. Check out our culture deck to learn what we're all about. * Awards: We've been recognized both locally and nationally as a top place to work. We were named a Top 2025 Startup in Newsweek, winner of Austin Business Journal's Best Places to Work in 2025, recognized in Investopedia's Best Landlord Insurance Companies, ranked No. 6 on Inc's list of Fastest Growing Regional Companies, 44th on Forbes' 2025 Best Startup Employers list, and 63rd on the prestigious Inc 5000 Fastest Growing Companies list. We're excited to meet you!

Spieldenner Financial Group is a part of the fastest-growing insurance organization in the country. Our most important focus areas include getting agents paid quickly, keeping costs minimal, and giving agents the training and support needed to achieve success. Job Duties: Setting Appointments: 6-8 hours per week: reaching out to potential clients that have previously requested coverage with our company and scheduling a time to meet with them to discuss their mortgage protection coverage. Research: 4-5 hours per week: digging into the information the client provided in order to customize options to meet their financial need in the case of a death or disability. Meeting with Families: 2 days per week: meeting with clients either virtually or in-person (the choice is yours) to present their options, discuss the details of the coverage, and help them apply for coverage. Administrative: 2 hours per week: following up with insurance carriers to facilitate client applications through underwriting Qualifications: We are looking for coachable, challenge-seeking, self-disciplined individuals with a growth mindset: Skill set isn't everything for this position. What We Do: We serve people: Every week, we sit with our clients (in person or virtually) and take a deep dive into their financial situation. We protect our clients: We partner with top-rated insurance companies to customize a plan that provides a personalized solution that will protect their largest asset: the ability to make an income. We grow : We are a personal development company that just happens to sell insurance. We strive to make a generational impact in the lives of our clients, our agents, and our community! What Sets us Apart: We maintain a people-first mentality that starts and ends with our agents. Our unparalleled benefits and connections within the insurance industry ensure that our agents have the resources they need to excel inside and outside of work If you feel this might be the home you have been looking for. Click APPLY! Commissions as a New Agent: This position is a commission-only based sales position. The average commission on a mortgage protection product is approximately $600 per family you protect. Our expectation is that a full-time agent will sell 5 to 10 mortgage protection plans per week. In addition to mortgage protection, we also have a selection of premium financial products to help people save for retirement or protect their current retirement accounts (e.g. 401k's and IRA's) from losing money in the stock market. We have extensive training on how these products work and how to sell them. In addition to uncapped commission, we have a competitive bonus structure program along with incentive trips agents/managers can qualify for based on their individual and team results. ***No agent's success, earnings, or production results should be viewed as typical, average, or expected. Not all agents achieve the same or similar results, and no particular results are guaranteed. Your level of success will be determined by several factors, including the amount of work you put in, your ability to successfully follow and implement our training and sales system and engage with our lead system, and the insurance needs of the customers in the geographic areas in which you choose to work.

Job Description Lonestar Managing General Agency, our employees are our biggest asset! It is our mission to attract and retain intelligent, motivated, ethical employees who strive for excellence and growth, and to keep those employees happy and engaged. We provide the tools and the support our employees need to grow both professionally and personally. We encourage self-improvement and celebrate success by rewarding ideas and results. We realize the strength of teamwork and its ability to join individuals together and push and pull each other, with a synergy that can only be found in groups of good people sharing ideas. Join in on the excitement and become part of our thriving organization! We are seeking a Personal Auto Underwriter to join our team! The Personal Auto Underwriter will be responsible for assisting the Underwriting Department in overall productivity. Scope of the position includes ensuring compliance with state mandated handling guidelines and delivering customer service to agencies / policyholders. Interaction with agents and policyholders will be necessary to perform the job duties. DUTIES & RESPONSIBILITIES: Provide a high level of customer service by delivering timely responses to agents / policyholders on quotes, endorsements and renewals. Develop a basic understanding of coverage's, exposures, rating plans and state requirements. Enter new business policies, endorsements and renewals. Order reports and assimilate information as required to support the underwriting process. Assist the Underwriting Unit as required for new business, endorsement and renewal processes. Work on special projects as directed. Prepare system output for mailing. Complete Financial Responsibility Filings. Assist in training of new underwriting staff in system and daily underwriting processes QUALIFICATIONS: Required: Prior personal auto insurance experience. Excellent communication, interpersonal and organizational skills. Ability to pass written examinations where required by state statutes to become a licensed Property and Casualty Agent. Good typing/data entry skills (min. 30 wpm). Preferred: College degree or related industry experience. Property and Casualty license. Ability to use on-line underwriting system. Lonestar MGA provides a competitive benefits package to all full- time employees. Following are some of the perks Lonestar employees receive: Competitive Salaries Flexible Work Schedules Commitment to your Training & Development Medical and Dental and Vision Reimbursement Telemedicine Benefit 401k with a generous company match Paid Time Off and Paid Holidays Tuition Reimbursement Wellness Program Fun company sponsored events And so much more! Job Posted by ApplicantPro

Job Description Underwriting Assistant We are seeking an underwriting assistant candidate who can manage a substantial book of renewal business while also handling tasks associated with new and renewal accounts. This would be an office role in Tallahassee with a range of $45-$50k. The successful candidate understands the importance of personal responsibility and resourcefulness while demonstrating the following: Qualifications: Ability to prioritize tasks so that work is done quickly and at the highest quality Owning processes/tasks/issues from start to finish Openness to learning new ways of working Produce error-free work Receptive to constructive criticism as a means to continually improve the quality of work Instill a sense of urgency in self and in others A self-starter that demonstrates a high level of initiative and can confidently manage their time and workload Creates trust through transparent practices such as sharing information and honest communication Being definite and decisive, but not inflexible Requirements: Property & Casualty License required, or agreement to obtain within 3-6 months of employment Valid driver's license and insurance Possess strong administrative and computing skills, including Microsoft Office (Word, Excel and Power Point) Able to work independently and enjoy a high degree of interaction with team members. Self-motivated and driven. Maintain a sense of urgency and ability to work with and meet deadlines. Demonstrate effective written and verbal communication The ability to multi-task, prioritize, and use discretion surrounding sensitive information. Equal Employment Opportunity At Novatae, we celebrate and support our differences. We know employing a team rich in diverse thoughts, experiences, and opinions allows our employees, our products, and our community to flourish. Novatae is honored to be an equal opportunity workplace. We are dedicated to equal employment opportunities regardless of race, color, ancestry, religion, sex, national orientation, age, citizenship, marital status, disability, gender identity, sexual orientation, or Veteran status. In addition, Novatae makes reasonable accommodations to known physical or mental limitations of an otherwise qualified applicant or employee with a disability, unless the accommodation would impose an undue hardship on the operation of our business. Powered by JazzHR Nkr2Yqk4nf

Alta Risk, LLC is looking for experienced Renewal Underwriters for their company headquarters in Overland Park, KS. While adhering strictly to ALTA Risk's Underwriting Guidelines and operating within the Renewal Underwriters Letter of Authority, the primary responsibility of the Renewal Underwriter is to review the renewal submission to determine eligibility, and if deemed eligible, generate a renewal premium quotation and communicate terms and conditions to the Alta Risk broker. The Renewal Underwriters must coordinate the delivery and the follow up of renewal terms and conditions with the originating underwriter. Any account deemed in Jeopardy must be identified by the Renewal Underwriter 30 days prior to expiration and brought to the attention of the Renewal Underwriters manager. Renewal Underwriter duties: Work within Underwriting Guidelines and applicable Underwriter Letter of Authority to classify and rate an account at renewal in order to provide renewal terms Review renewal applications to confirm that information is appropriate to proceed in underwriting actions Create Renewal Spreadsheet Raters to re-rate and formulate renewal quotes for all renewal accounts assigned Receive referral approval from Renewal Management/Senior Underwriting on all accounts that are not within the Renewal Underwriter's Letter of Authority Perform ISO re-rates and obtain updated SAFER reports on accounts that have an Auto exposure Expected to communicate any accounts that may be in jeopardy of being lost at renewal to Renewal Management Monitoring account pricing and rate at renewal to ensure that appropriate rate goals are maintained Review and provide bind order details to Underwriting Assistants for binding/issuance Complete Quality Assurance and Quality Control review on all bind orders Foster positive working relationships with wholesale brokers Foster positive working relationships with Alta's new business underwriting team to fully understand the renewal accounts Utilize time management abilities in a fast-paced, high volume environment, which includes organizing, multitasking and triaging account priority Responsible for endorsement requests during term of policy Review renewal account subjectivities as they are received for accuracy and acceptability Review underlying policies as they are received for accuracy and acceptability Perform other duties as may be assigned KNOWLEDGE/EXPERIENCE Full understanding and application of concepts, practices and procedures related to insurance, typically acquired through a high school diploma or equivalent, with 2-3 years of insurance experience, or a B.A. in insurance or risk management. NECESSARY SKILLS/ATTRIBUTES The ability to: Ability to interact/develop relationships at all levels both internally and externally Manage strict details Handle multiple tasks Proficient computer knowledge including, but not limited to, Microsoft Office Verbal/written communication skills and math skills Ability to resolve moderately complex problems Organize tasks effectively Heavy word processing/keying required Work is performed under immediate to general supervision, following well-defined instructions, policies, and procedures PHYSICAL/MENTAL DEMANDS AND WORKING CONDITIONS Frequently uses PC and/or computer terminal Frequently uses telephone and/or headset May work long, irregular hours Sits for long periods May bend, twist and /or stoop May kneel, crouch and/or crawl May occasionally reach, push and/or pull with arms Frequently uses hands to handle, finger and/or feel Occasionally climbs ladders, stairs, steps, or stools Frequently operates office equipment Moves throughout the department/facility Lifts/moves items weighing up to 25lbs No direct inquiries, please.

Employment Type: Full-time, In-Office Department: Underwriting & Claims Salary: $65,000/year + equity Steadily is hiring an Assistant Underwriter to join our growing team in the Kansas City metro area. This is an exciting opportunity for someone who wants to start or grow their career in underwriting with one of the fastest-growing insurtech companies in the country. You'll work closely with experienced underwriters, support daily underwriting operations, and learn the skills needed to thrive in the insurance industry. This is a full-time, in-office position located in Overland Park, KS, where you'll be at the center of our insurance underwriting and claims operations. This is an entry level role and direct underwriting experience is not necessarily required. As an Assistant Underwriter, you will: Learn and apply the underwriting appetite and guidelines of our programs - we aim to say yes whenever possible while mitigating risk Work closely with underwriters on endorsements, tasks, renewals, applications, and quotes Provide timely support to internal and external agents, often addressing time-sensitive requests that help define our brand Process work across internal systems including Salesforce; quickly become a subject matter expert on our platforms Troubleshoot complex customer service and underwriting issues such as billing, inspections, nuanced risk profiles, and more Maintain high standards of accuracy in documenting underwriting files in our policy administration system What We're Looking For Strong verbal and written communication skills; able to remain professional and diplomatic under pressure. While direct underwriting experience is not required, transferable skills in detail-oriented, problem-solving, or customer-facing roles are valuable Tech-savviness and ability to learn new software systems quickly and independently Thrives under pressure, manages a heavy workload with minimal oversight, and never says “that's not my job” A hunger and excitement to grow rapidly in an earlier-stage insurtech; motivated to roll up your sleeves and hustle Compensation & Benefits Salary: $65,000 per year Equity: Stock options in a fast-growing company Time Off: 3 weeks PTO + paid holidays Benefits: Medical, dental, vision, life, disability, HSA, FSA, 401k Perks: Free snacks, team lunches, collaborative culture Location & Schedule Office located in Overland Park, KS (Kansas City Metro) In-office schedule required; standard Monday-Friday business hours Steadily is building a workplace environment of team members who are passionate about working together in person. Our Kansas City office is central to our growth trajectory Why Join Steadily Good company. Our founders have three successful startups under their belt and have recruited a stellar team to match. Top compensation. We pay at the top of the Kansas City market (see comp). Growth opportunity: We're an early-stage, fast-growing company where you'll wear a lot of hats and shape product decisions. Strong backing. We're growing fast, we manage over $20 billion in risk, and we're exceptionally well-funded. Culture: Steadily boasts a very unique culture that our teammates love. We call it like we see it and we're nothing if not candid. Plus, we love to have a good time. Check out our culture deck to learn what we're all about. Awards: We've been recognized both locally and nationally as a top place to work. We were named a Top 2025 Startup in Newsweek, winner of Austin Business Journal's Best Places to Work in 2025, recognized in Investopedia's Best Landlord Insurance Companies, ranked No. 6 on Inc's list of Fastest Growing Regional Companies, 44th on Forbes' 2025 Best Startup Employers list, and 63rd on the prestigious Inc 5000 Fastest Growing Companies list. We're excited to meet you!

Underwriting Assistant We are seeking an underwriting assistant candidate who can manage a substantial book of renewal business while also handling tasks associated with new and renewal accounts. This would be an office role in Tallahassee with a range of $45-$50k. The successful candidate understands the importance of personal responsibility and resourcefulness while demonstrating the following: Qualifications: Ability to prioritize tasks so that work is done quickly and at the highest quality Owning processes/tasks/issues from start to finish Openness to learning new ways of working Produce error-free work Receptive to constructive criticism as a means to continually improve the quality of work Instill a sense of urgency in self and in others A self-starter that demonstrates a high level of initiative and can confidently manage their time and workload Creates trust through transparent practices such as sharing information and honest communication Being definite and decisive, but not inflexible Requirements: Property & Casualty License required, or agreement to obtain within 3-6 months of employment Valid driver's license and insurance Possess strong administrative and computing skills, including Microsoft Office (Word, Excel and Power Point) Able to work independently and enjoy a high degree of interaction with team members. Self-motivated and driven. Maintain a sense of urgency and ability to work with and meet deadlines. Demonstrate effective written and verbal communication The ability to multi-task, prioritize, and use discretion surrounding sensitive information. Equal Employment Opportunity At Novatae, we celebrate and support our differences. We know employing a team rich in diverse thoughts, experiences, and opinions allows our employees, our products, and our community to flourish. Novatae is honored to be an equal opportunity workplace. We are dedicated to equal employment opportunities regardless of race, color, ancestry, religion, sex, national orientation, age, citizenship, marital status, disability, gender identity, sexual orientation, or Veteran status. In addition, Novatae makes reasonable accommodations to known physical or mental limitations of an otherwise qualified applicant or employee with a disability, unless the accommodation would impose an undue hardship on the operation of our business.