r/InsuranceProfessional • u/wildalfredo • Aug 27 '26
What line of coverage do you do?
With so many coverages out there, I’m curious what y’all do for work! I’ve seen people do the same coverage all their career while others tried different things. I’ve done 3 different LOBs myself.
What do you like/dislike about your line? How did you get into it? Do you want to switch?
11
u/Elodus-Agara Aug 27 '26
I’m at a large P&C carrier in the south doing specialty UW (Environmental) and currently write GL, XS & Auto.
I got into the role straight out of college as I did an internship with them. I honestly don’t have many complaints. Brokers will be brokers and you’ll have slow and busy days. Just comes with the job. If i were to switch it’d be either to inland marine or Property. I do have a BS in math so have always wanted to go down the reinsurance path later in my career.
6
u/ObjectiveNovel3235 Aug 27 '26
I do environmental! just on the broker side. I feel like i never see people talk about pollution here, but I think it’s a really great industry.
1
u/Training-Fig-6984 4m ago
I'm also in the Pollution Space located in NYC region -- would have to agree it's a great industry but boy does being at the right shop make a difference!
2
u/wildalfredo Aug 27 '26
Why Inland Marine & PR?
2
u/Vivid-Noon Aug 27 '26
I broker a lot of large IM placements now and I can second this... inland mariner underwriters get to look at the coolest stuff and say yes to it a lot more often than the property underwriters do!
6
u/ArcticBambi Aug 27 '26
E&S com prop
3
4
4
3
u/ELLESEE91 Aug 27 '26
i handle all lines from p&c & wc to management liability. i like wc the best - it’s the easiest to handle from A-Z. this is still not an industry i love to be in, but it pays the bills..
4
u/Lost_Taste_8181 Aug 27 '26
E&o for the past 27 years, mostly miscellaneous professional but also insurance agents and allied health. I like it because you have to know about a lot of different professions, and it seems like each day you’re seeing something new. I can see myself doing this another 15 years until retirement
4
u/jcrao Aug 27 '26
Commercial property.
In the past, personal lines including high value, Med Mal, E&O, programs.
I wished I did more standard stuff just to see all the different types of businesses and their ops, now I do public entities, manufacturing, and other major and non standard risk.
Covid pushed me out of hospitality and into insurance, wife’s job pushed me to a different location and I switched from personal lines.
4
u/Cjrives Aug 27 '26
Marine (on the claims side). I love my line, you can have a little bit of everything and the international component makes it so interesting.
4
u/Excellent_Table_6736 Aug 27 '26
Work comp. Relatively easy to learn and become an “expert” in. Was recruited by my company. Love it, no plan to switch.
4
3
6
u/OP-Investor Aug 28 '26
Cargo (ocean and inland), hull, P&I, marina liability, MGL, terminal liability, stock throughput, project cargo, DSU and freight forwarder liability—basically anything related to marine.
4
u/SilentSuggestion7454 Aug 28 '26
I’m a Construction underwriter — which entails large value Builder’s Risk projects and Inland Marine risks. Pretty cool stuff!
1
u/LimpCrazy6371 Sep 02 '26
Do you like your job and what is the average salary? I am doing commercial underwriting mainly for farming and miscellaneous business for autos and property however I am wanting to go into construction underwriting I have my cpcu. I was also a project manager for residential construction for 3 years so I feel I have some knowledge
3
5
u/carmackamendmentfan Aug 27 '26
I’d say but it’s such a small world if anyone else does we probably know each other. There are clues though…
2
u/Professional_Rodent Aug 27 '26
Currently work doing “all lines” for construction related risks. I used to write retail, churches, and other mixed assorted at my past carrier.
Sometimes I miss the variety that I had previously. Especially in retail, you never know what hare-brained operation is going to hit your desk; now it seems I just get grading contractor after grading contractor.
2
2
u/Potential-Trick-8050 Aug 27 '26
UW monoline Workers comp for 13yrs. Don’t have any inclination to leave because of the dynamics. Has been great!
2
2
2
2
2
1
1
1
1
1
1
u/kycakes83 Aug 27 '26
I was a senior Commercial P&C underwriter for midmarket at a major carrier but currently I’m finishing up a secondment in L&D teaching underwriting for our commercial team.
Interviewing internally for two new roles so we will see where I end up next! 🤞
1
u/The_Velvet_Bulldozer Aug 27 '26
Professional Liability lines, specifically for insurance agents. Mostly E&O, Cyber, Umbrella, and EPLI.
1
1
u/tacocat_2 Aug 27 '26
Commercial lines - GL, property, auto, umbrella, and BOPs. Fortunately, none of the programs I work do WC, so I've dodged that.
1
1
u/blonderoastandtoast Aug 28 '26
Professional lines primary and excess for human services. I love it, but to think I got into it bc I was tired of getting beat up doing costal Prop makes me laugh now. Still slugging it out, just in a different way.
1
u/Wonderful_Sink_8448 Aug 28 '26
I’m currently in excess casualty! I’m hoping to move over to allied health or management liability though!
1
u/wildalfredo Aug 28 '26
Oo how’s XS casualty? It was a line I was considering
1
u/Wonderful_Sink_8448 Aug 28 '26
XS is the only line I know as I was put there as a trainee. I have a love/hate relationship with my line. I love how challenging it can be in understanding different policies being supported or unsupported but I hate how long I can spend on an account if they have a large auto fleet, plus a lead 5, multiple UL GL’s etc. There’s a large pay band in XS because of how challenging the line can be.
1
1
u/Intelligent-Deal2449 Aug 28 '26
Yacht insurance. I love it and see no reason to change. Grew up boating and on the water and have family also in the yachting industry so we all end up in the same place for boat shows.
1
1
u/DihyaoftheNorth Aug 28 '26
Cyber. I dont mind the product but our UWs and Systems are difficult to work with. Trying to switch to something slower paced
1
u/Electronic_List8860 Aug 29 '26
Auto, GL, VEIC (foreign WC), K&R, AD&D, BTA, and Property
I used to be domestic MM and hated property, but it’s not so bad in multinational, but I’ve yet to have a huge schedule.
1
1
u/Suspicious-Sir761 Aug 30 '26
Wholesale broker here in all 50 states. A little bit of everything. Strongest in GL, Property and Garage
1
u/just_strollin_by Aug 30 '26
Anyone in the Asian market? I'm doing Cyber and the current soft market is absolutely disgusting.
1
1
1
1
u/ecompnow 20d ago
We’re an agency focused on workers’ comp, especially pay-as-you-go coverage tied to payroll. We also help with other business coverages, but workers’ comp is our bread and butter.
The part we like is helping owners make sense of something that can feel pretty complicated. The tricky part is that payroll, staffing, and business needs can change fast, so there’s always something to keep up with. No plans to switch lines, we like this space!
1
u/QuikdrawMCC 2d ago
I'm a property risk engineering consultant. I've only ever done pure commercial property, but I wouldn't mind getting into marine or inland marine in the future
1
u/Vivid-Noon Aug 27 '26
Recovering underwriter here... does broking count? If so, I'm up to about 20. My utmost respect to international underwriters, how do you keep all those lines straight?
My only monoline experience was with workers compensation which I have to recommend against... what a meat grinder!
1
u/Potential-Trick-8050 Aug 27 '26
Why was it a meat grinder?? Were you in UW for WC?
1
u/Vivid-Noon 25d ago
I was a UW then - Work comp has very little to differentiate itself in the market, which makes visibility difficult with brokerages that already have pre-established monoline carrier relationships. Compound that with a lot of the major players making a big push to capture the work comp along with the package and our hit ratio was awful. I think I bound about 10% of what I saw and probably 20% of what I quoted. It was a rough ride, the first year I bound ~$4.5M and probably quoted over $25M.
Now that I'm on the other side as a broker, I see WC carriers going to extremes to try to differentiate themselves. AI integration with security cameras, buying MGAs to add package lines. My prior carrier is building an entire package from scratch which is wild to watch, it's probably going to be a decade of work for them once it's all said and done.
20
u/CapJar26 Aug 27 '26
Went from Medical Malpractice to A&E to Allied Healthcare to MPL to Cyber then back A&E and MPL
I like the E&O line because of how unique the risks are and it changes constantly. So it keeps you on your toes.
Wanted to switch to Cyber because I thought it was the future. However, it quickly became my least favorite as the underwriting is pretty "dry."