THREE is a growing insurance provider that sells a unique and straightforward insurance policy to small businesses – covering their property, liability, auto, and workers compensation risks. It was born out of and remains part of Berkshire Hathaway, one of the most respected companies in the world. At THREE, you’ll join a team of experienced insurance operators that chooses to run lean, promotes autonomy, and is charged with building a commercial insurer that challenges the largest players in its space.

We are seeking a Complex Commercial Underwriting Manager to oversee a new team in THREE’s Underwriting operation. This position will play a critical role in ensuring profitability of a portfolio of risks in our Complex segment across Commercial Property, Liability (GL, PL, Liquor Liability, D&O, EPLI, etc), Commercial Auto, and Workers Compensation in a comprehensive all-in-one policy.

Job Responsibilities

Leadership & Results Accountability: 

• Lead, coach, mentor, and develop a team of specialized underwriters that touch THREE’s entire footprint. 
• Drive high quality risk selection, underwriting quality, and discretionary pricing decisions for new business and renewals in a book of high hazard risks to drive profitable growth – specifically Hospitality, Habitational, Bar/Tavern, and LRO industries. 
• Balance sound underwriting decision making with speed in an environment that is uniquely fast-paced for these types of risks.

Performance Monitoring:

• Meet or exceed specific performance metrics including but not limited to Turnaround Time, Bind Ratio, Loss Ratio, and Retention Ratio.

Process Improvement:

• Provide feedback/input on appetite, underwriting guidelines, processes, and workflows for risks that fit this specific segment.

Cross-Functional Collaboration:

• Take a proactive approach to helping Sales partners understand agent submission quality and opportunities for growth.
• Solicit feedback from Sales partners to coach underwriters, improve interactions with agents, and strengthen agency engagement.

Individual Contribution:

• Handle management level approval on out of authority referrals.

Qualifications

• 10 years of experience in P&C insurance, with at least 7 in commercial lines underwriting including multiple lines of business
• Deep understanding of the independent agent distribution system, specifically in the submission-to-bind process for medium sized risks
• Experience leading and managing underwriters to use all available tools to make appropriate risk selection and pricing decisions
• Hands on leader skilled at teaching and developing high performing teams, who is willing to take on a player-coach role
• Has experience contributing to appetite, underwriting guidelines, and operational processes and workflows

This role is fully remote, but may require occasional travel.

About Us

Our parent, Berkshire Hathaway Inc. (berkshirehathaway.com) is a holding company with diversified interests in a host of industries, including insurance, energy, transportation and manufacturing. Most policies issued through THREE will be underwritten by Berkshire Hathaway Direct Insurance Company ("BHDIC"), which is an AM Best rated A++ insurer.

BHDIC is domiciled in Omaha, Nebraska. BHDIC and the team at THREE are focused on helping small business owners quickly and easily buy affordable insurance directly from a financially strong insurance company they can trust.

BHDIC is excited to announce our comprehensive benefits package with some new and enhanced features for 2026 that include:

• Medical (PPO/HDHP), vision, disability, and life insurance.
• Enhanced dental plan with orthodontia coverage in addition to a standard plan.
• Generous PTO plan for all benefit-time eligible employees.
• Paid company holidays and 4 floating holidays.
• Paid parental leave.
• Employee Retirement Savings Plan/401(k) with company match and immediate vesting.
• Education Assistance Program that offers 100% upfront tuition reimbursement after 6 months of service for approved degree programs.
• Service Recognition Program that provides a monetary award to be used toward a vacation every 5 years of employment.
• Wellness Initiatives that include Fitness Center and Weight Watchers Reimbursement programs.
• Voluntary benefits that include accident, critical illness, and hospital indemnity.
• Employee discount and rewards program on travel, tickets, electronics, home, and more.

In accordance with pay transparency laws and regulations, the following good faith compensation range estimate is being provided. The salary range for this position is $130,000 - $165,000 per year. Final compensation will be based on candidate qualifications, geographic location, and other considerations permitted by law.