MSIG USA

• Elicit and Document Requirements • Collaborate with stakeholders and Product Owners to gather detailed business requirements • Translate business needs into clear, concise user stories and functional specifications • Conduct thorough analyses of business process and workflows • Develop and refine user stories and acceptance criteria • Continuously update and prioritize the product backlog • Facilitate backlog refinement sessions with the development team • Act as a key liaison between the Product Owner, development team, and other stakeholders • Communicate complex concepts and requirements clearly • Support the development team in creating and executing test plans • Facilitate user acceptance testing

Role Description Responsible for underwriting profitable Commercial Lines business within assigned territory in accordance with Corporate goals. - Selects and underwrites complex Commercial Lines risks within delegated underwriting authority. - Applies appropriate pricing techniques according to company filings and state/bureau conformance. - Monitors underwriting results and premium and loss trends within assigned book of business. - Develops and executes formal written agency plans with all assigned agents in territory. - Establishes and executes effective and efficient producer and client visits (with appropriate business units – Risk Engineering, Claims and Marketing Representatives) in order to maintain and increase new business. - Coordinates with inter-company departments as well as producers, insureds and Marketing Representatives to ensure appropriate high level account management standards are maintained. - Enhances technical expertise in the area of Commercial Lines underwriting including assisting in Underwriting Manager in the training and development of Department staff. Qualifications - Bachelor's degree required. - 1-2 years of related casualty underwriting background required. - Existing producer relationships preferred. - Must have demonstrated negotiation and production skills. - Excellent verbal and written communication skills. Requirements - The base pay range is $100,000.00 - 102,000.00. - Salary determinations are based on various factors, including but not limited to, relevant work experience, skills, certifications and location. Benefits It's an exciting time for our company and a great opportunity to join a financially sound and growing global insurance group! Company Description It is the policy of MSIG USA to provide equal employment opportunity (EEO) to all persons regardless of age, color, national origin, citizenship status, physical or mental disability, race, religion, creed, gender, sex, sexual orientation, gender identity and/or expression, genetic information, marital status, status with regard to public assistance, veteran status, or any other characteristic protected by federal, state or local law. In addition, MSIG USA will provide reasonable accommodations for qualified individuals with disabilities.

Role Description This position is responsible to adjust assigned claims within delegated limits of authority, conduct timely and thorough investigations, handle subrogation claims, and complete fair and equitable claim settlements in accordance with MSMM Claim Handling Guidelines and/or requirements of principals regarding TPA business to ensure services are provided in a fair, equitable and timely manner. - Receives new claim assignments of a moderate to complex nature and analyzes the nature of the claim to determine required investigation and handling. - Determines and identifies indemnity issues or questions of coverage in accordance with MSMM Claims Handling Guidelines and/or requirements of principals regarding TPA business. - Performs timely and thorough investigations including necessary survey arrangement in compliance with all jurisdictional requirements and/or entitlements. - Conducts an informed case analysis to initiate reserve changes within assigned authority and makes recommendations to supervisor or manager where assigned authority is exceeded. - Manages, controls and negotiates timely and equitable claim payments and settlements in accordance with jurisdictional and fair claims practice requirements and company policy and procedures. - Investigates, evaluates and resolves moderate level claims files. - Maintains current case diary and ensures retention of appropriate hard copy file documentation. - Provides accurate claims system documentation as required by company claim manuals and procedures. - Responsible for completion and/or submission of claim forms and reports as required by outside agencies. - May handle subrogation of claims within delegated limits of authority, including identification of responsible parties, preparation of claim notice, correspondence with carriers, and negotiation of settlement in accordance with MSMM Recovery Procedures. - May be required to assign the defense of lawsuits to approved defense counsel; directs and monitors quality and performance of defense counsel. - Maintains compliance with all requirements of the company’s Litigation Management Program. - Reviews and adjusts, where appropriate, fee bills and legal expenses for accuracy and reasonableness. - Services the claim needs of our customers including insureds, claimants, brokers, etc., in accordance with company policy and procedures. - Attends client visitations with underwriters and other parties to conduct presentations and reviews. - Maintains ongoing communication with all customers throughout the claims process in an effort to provide timely and appropriate claim status as appropriate and/or required by statutory regulations. - Completes timely and accurate data reports to state reporting agencies to ensure full compliance with MSMM and regulatory requirement. - Maintains full compliance with all regulatory Fair Claim Practices Acts and state and federal regulations. - Maintains full compliance with all state licensing and continuing education requirements to ensure current and appropriate filing/standing of all adjuster licenses. Qualifications - High School Degree or G.E.D. is required. - Bachelor's degree (B. A.) is preferred. - 7+ years of claims experience, including ability to successfully negotiate settlements, verify coverage, appropriately set reserves, successfully complete investigations and understand rules associated with state regulations. Benefits - Equal employment opportunity (EEO) to all persons regardless of age, color, national origin, citizenship status, physical or mental disability, race, religion, creed, gender, sex, sexual orientation, gender identity and/or expression, genetic information, marital status, status with regard to public assistance, veteran status, or any other characteristic protected by federal, state or local law. - Reasonable accommodations for qualified individuals with disabilities.

Title: Senior Underwriter - Wholesale Property Location: NY-NYC (Ave of Americas) Job Description: Company Overview: MSIG USA is the US-based subsidiary of MS&AD Insurance Group Holdings, Inc., one of the world’s top P&C carriers and a global Class 15 insurer, with A+ ratings and a reach that spans 40+ countries and regions. Leveraging our 350-year heritage, MSIG USA brings the financial strength, expertise, and global footprint to offer commercial insurance solutions that address your business’s unique risks. Summary/Job Purpose: The Senior Wholesale Property Underwriter is responsible for underwriting complex commercial property risks within the wholesale and excess & surplus (E&S) marketplace. This role focuses on evaluating submissions, pricing risk appropriately, and building strong broker relationships to drive profitable growth. The position requires deep technical expertise, sound judgment, and the ability to balance production goals with disciplined underwriting standards. Essential Functions: Percentage of Time: - Evaluate, underwrite, and price complex property risks, including CAT-exposed accounts - Review submissions including loss runs, engineering reports, and catastrophe modeling outputs - Exercise underwriting authority to quote, bind, decline, or modify risks in accordance with company guidelines - Develop, manage, and grow a profitable book of wholesale business - Build and maintain strong relationships with wholesale brokers and distribution partners - Negotiate pricing, terms, conditions, and coverage structures tailored to individual risks - Monitor and respond to changing market conditions, capacity, and competitive dynamics - Ensure compliance with underwriting guidelines, regulatory requirements, and internal audit standards - Collaborate with actuarial, claims, risk control and CAT management teams to support profitability and risk management - Provide guidance, mentorship, and technical support to junior underwriting staff as needed Supervisory Responsibilities: This position has no supervisory responsibilities. Qualifications: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. • Ability to manage multiple priorities in a fast-paced, production-driven environment - Advanced knowledge of commercial property underwriting, particularly within the wholesale/E&S market - Strong technical expertise in catastrophe modeling and exposure analysis - Ability to assess large, complex, and challenging risks with sound underwriting judgment - Proven track record of building and maintaining broker relationships - Strong negotiation, analytical, and decision-making skills - Excellent communication and presentation skills Education and Experience Required: - Bachelor’s degree in Finance, Risk Management, Business, or related field (or equivalent experience) - 5+ years of commercial property underwriting experience, with significant exposure to wholesale/E&S business - Experience underwriting middle-market to large property risks. With an emphasis on non-admitted business, layered placements, & shared programs. - Professional designations such as CPCU, ARM, ARE, AINS or AU are strongly preferred - Experience with catastrophe modeling tools (e.g., RMS, AIR, Verisk) is a plus SALARY: The estimated salary range for this position is $110,000 to $215,000 per year. This is a good-faith assessment of the salary range for this position only. In determining the actual salary within this range, MSIG USA will consider a candidate’s relevant experience, location, and other job-related factors. It's an exciting time for our company and a great opportunity to join a financially sound and growing global insurance group! It is the policy of MSIG USA to provide equal employment opportunity (EEO) to all persons regardless of age, color, national origin, citizenship status, physical or mental disability, race, religion, creed, gender, sex, sexual orientation, gender identity and/or expression, genetic information, marital status, status with regard to public assistance, veteran status, or any other characteristic protected by federal, state or local law. In addition, MSIG USA will provide reasonable accommodations for qualified individuals with disabilities.

• Design and implement a comprehensive subrogation operating model across the Claims organization. • Evaluate current subrogation practices, identify recovery opportunities, and establish standardized processes and governance. • Partner with claims leadership, legal, finance, and external partners to improve recovery outcomes and reporting capabilities. • Develop KPIs, dashboards, and operational metrics to monitor subrogation effectiveness and financial performance. • Identify opportunities for automation, workflow optimization, and technology enhancements related to subrogation activities. • Lead the review, modernization, and ongoing governance of Claims guidelines, procedures, and operational documentation. • Update and standardize legacy claims handling documentation currently spanning multiple business units and time periods. • Ensure claims procedures align with current regulatory requirements, operational expectations, best practices, and organizational strategy. • Establish a framework for ongoing document governance, version control, and periodic review cycles. • Partner with training and leadership teams to support implementation and adoption of updated procedures and standards. • Support oversight and optimization of the Claims vendor management program and panel strategy. • Assist in evaluating vendor performance, service delivery, compliance, SLAs, and operational effectiveness. • Partner with procurement, legal, compliance, and claims leadership on vendor selection, governance, and contract management processes. • Develop scorecards, reporting, and performance management processes for external vendors and partners. • Identify opportunities to improve vendor utilization, cost management, and operational efficiency. • Support broader Claims transformation initiatives focused on operational excellence, modernization, and scalability. • Identify process improvement opportunities and recommend operational enhancements across claims workflows. • Partner cross-functionally with Technology, Data & Analytics, Compliance, Legal, and Operations teams on strategic initiatives. • Assist with change management, communication, and implementation planning associated with operational changes. • Foster a culture of continuous improvement, accountability, and customer-focused service delivery.

Role Description We are seeking a detail‑oriented State Filing Analyst to support the preparation, submission, and management of insurance product filings with U.S. state insurance departments for all commercial lines of business. This role plays a key part in ensuring regulatory compliance, supporting product initiatives, and maintaining accurate filing records across jurisdictions. This is an individual contributor role. - Serve as a key contributor to the development and maturation of an in‑house state filings team by designing, implementing, and maintaining standardized state filings processes, documentation, and continuous process improvement initiatives across the filings function. - Prepare and submit insurance filings (rates, rules, forms, endorsements, and supporting documentation) to state insurance departments. - Manage filings through SERFF and other state‑specific regulatory systems. - Interpret state regulations, bulletins, and filing instructions to determine filing requirements and exemptions. - Coordinate with state filings specialists, actuarial, underwriting, legal, compliance, and product teams to collect required filing materials. - Track filing status, objections, approvals, and effective dates using internal systems and trackers. - Draft and submit responses to regulator objections and inquiries in collaboration with subject matter experts and state filings specialists. - Maintain organized and audit‑ready filing records and correspondence. Qualifications - Bachelor’s degree or equivalent work experience. - 3-5+ years of experience in insurance regulatory filings, compliance, or related insurance operations. - Working knowledge of U.S. insurance regulations and multi‑state filing requirements. - Experience using SERFF and iFile platforms. - Strong attention to detail and ability to manage multiple priorities and deadlines. - Clear written and verbal communication skills. - Proficiency in Microsoft Office (Excel, Word, Outlook); experience with SharePoint or tracking tools a plus. - Ability to work independently and part of a team. Benefits It's an exciting time for our company and a great opportunity to join a financially sound and growing global insurance group! Company Description It is the policy of MSIG USA to provide equal employment opportunity (EEO) to all persons regardless of age, color, national origin, citizenship status, physical or mental disability, race, religion, creed, gender, sex, sexual orientation, gender identity and/or expression, genetic information, marital status, status with regard to public assistance, veteran status, or any other characteristic protected by federal, state or local law. In addition, MSIG USA will provide reasonable accommodations for qualified individuals with disabilities.

Role Description MSIG USA continues to grow! It's an exciting time for our company and a great opportunity to join a financially sound and growing global insurance group! Qualifications - Equal employment opportunity (EEO) to all persons regardless of age, color, national origin, citizenship status, physical or mental disability, race, religion, creed, gender, sex, sexual orientation, gender identity and/or expression, genetic information, marital status, status with regard to public assistance, veteran status, or any other characteristic protected by federal, state or local law. - MSIG USA will provide reasonable accommodations for qualified individuals with disabilities. Company Description MSIG USA is the US-based subsidiary of MS&AD Insurance Group Holdings, Inc., one of the world’s top P&C carriers and a global Class 15 insurer, with A+ ratings and a reach that spans 40+ countries and regions. Leveraging our 350-year heritage, MSIG USA brings the financial strength, expertise, and global footprint to offer commercial insurance solutions that address your business’s unique risks.

Role Description We are seeking an experienced insurance product drafting attorney to support the development, drafting, and maintenance of specialty insurance products, with a primary focus on Cyber, Management Liability and Professional Liability. In this role, you will work closely with underwriting, state filings, actuarial, claims, and regulatory and compliance teams to draft, review, and enhance policy forms, endorsements, and related product documentation. This is a non-managerial, individual contributor role focused on technical drafting, product support, and collaboration across the product lifecycle. Key Responsibilities - Policy Drafting & Review: Draft, review, and revise specialty insurance policies, endorsements, and related forms for cyber, management liability and professional liability products, ensuring clarity, internal consistency, and alignment with underwriting intent. - Specialty Product Development: Partner with underwriting to develop new products and coverage enhancements, and to update existing forms in response to market developments, claims experience, and legal or regulatory changes. - Regulatory & Compliance Support: Support the product filing process by working with compliance and regulatory teams to prepare, revise, and respond to form-related filings, objections, and inquiries. - Competitive & Market Analysis: Review and analyze competitor policy language and industry trends to identify opportunities for product enhancement, differentiation, and risk management. - Coverage Guidance & Training: Provide technical guidance to underwriting and claims teams regarding policy language, coverage intent, and application of forms; assist with internal training related to specialty products and form changes. - Stakeholder Collaboration: Collaborate cross-functionally with underwriting, state filings, actuarial, claims, and regulatory and compliance teams stakeholders to support products throughout the lifecycle. - Continuous Improvement: Contribute to ongoing refinement of drafting standards, templates, and internal processes to promote consistency, efficiency, and technical excellence in specialty product development. Qualifications - Juris Doctor (JD) degree from an accredited law school. - 3–5 years of experience specifically in insurance product drafting and development. - Hands-on experience drafting and revising policy forms and endorsements for specialty products, with emphasis on management liability and professional liability lines. - Strong technical drafting, analytical, and issue-spotting skills. - Excellent written and verbal communication skills. - Proven ability to collaborate effectively with cross-functional business partners. - Highly detail-oriented with strong organizational and project management skills. - Ability to translate underwriting intent and risk considerations into clear, effective policy language. Requirements - Active membership in good standing with at least one U.S. state bar. Preferred Qualifications - Experience supporting admitted and/or non-admitted (E&S) specialty products. - Familiarity with form filing processes, state insurance regulatory requirements, and responding to DOI objections. - Experience reviewing claims trends or coverage disputes to inform product language improvements. - Comfort working independently in a pure individual contributor role with responsibility for assigned product areas. Benefits - Healthcare and Retirement Benefits - Comprehensive medical, dental, and vision coverage - 401(k) with a generous employer match and profit-sharing contribution - Wellness incentive program - Life and accidental death and dismemberment (AD&D) insurance - Flexible spending programs - Short-term and long-term disability plans - Paid time off program - Paid charitable leave - Paid parental leave - Tuition reimbursement program - Personal insurance (auto/homeowners) discounts

Title: Sr. Risk Engineering Consultant (Multiline) remote type Remote locations MI-Remote time type Full time job requisition id JR-000830 MSIG USA continues to grow! Company Overview: MSIG USA is the US-based subsidiary of MS&AD Insurance Group Holdings, Inc., one of the world’s top P&C carriers and a global Class 15 insurer, with A+ ratings and a reach that spans 40+ countries and regions. Leveraging our 350-year heritage, MSIG USA brings the financial strength, expertise, and global footprint to offer commercial insurance solutions that address your business’s unique risks. The Sr. Risk Engineering Consultant is responsible to contribute to corporate goals of growth and profitability through the active participation in the account acquisition and retention process. Responsible to perform and complete risk evaluations of accounts and prospects to identify exposures, identify and address key loss sources, evaluate controls and active pursuit of recommendation submission and compliance. Establish focused risk improvement process through a consultative approach including the identification of client needs, establishing service plans that eliminate loss causes and actively assists clients with best practices focused on achieving their business goals and reduce overall loss costs. LOCATION: IN, MI, OR CHICAGO Essential Functions: - Performs complete risk evaluations for Multinational and Domestic multi-line accounts to identify client exposures and evaluate controls. Creates written reports of risk evaluation and improvement activities on a timely basis and develops risk improvement recommendations to reduce client exposures to loss. Ensures timely compliance with risk improvement recommendations and communicates status to MSIG staff as needed. - Effectively communicates technical regulations and safety protocols during the Risk Engineering Survey process and conveys the desirability of the risk to underwriting and ensures all customers receive high quality work products. - Provides quality client management by identifying opportunities for risk improvement through an effective symptom questioning process - Performs loss trend analysis to measure impact to the client and identify opportunities for improvement in risk. - Develops risk improvement recommendations and performs required follow up to ensure timely and effective compliance. - Ensure client needs are identified and satisfied by continuous interaction with Underwriting, Marketing, Claims, and other MSIG business units as needed. Consultative Service - Develops and markets focused consultative service plans to improve client exposure to business loss through a Specific, Measurable, Attainable, Realistic and Timely (S.M.A.R.T) objective process to provide measure improvement through outcomes of services. Customer Service and Support Functions - Participates with Claims in large loss investigations to identify and eliminate loss cause(s). - Ensures all multi-location account sites receive consistent services that satisfy corporate client expectations. - Act as a technical resource to Risk Engineering customers to provide quality risk management solutions. - Promotes Risk Engineering services to the producer community and prospective accounts in order to write new business. Supervisory Responsibilities: This position has no supervisory responsibilities. Qualifications: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Education and Experience Required: Diploma/Degree & Experience - Bachelor of Science degree (B.S.) from a four year college or university is required. An academic focus on Occupational Safety and Health, or Risk Management is preferred. - 5 years of strong experience in the insurance and/or general industry - Minimum 3 years of loss prevention experience is required - Loss Prevention engineering and fire safety technology proficiency. - A commensurate level of knowledge of Occupational Safety and Health Administration (OSHA), National Fire Protection Association (NFPA) and other similar technical standards, along with a working knowledge of commercial property and casualty insurance coverage’s, and risk evaluation techniques. - In-depth understanding of moderate to large sized industrial or warehousing operations. SALARY: $135,000.00 - $175,000.00 #LI-HYBRID #LI-REMOTE It's an exciting time for our company and a great opportunity to join a financially sound and growing global insurance group! It is the policy of MSIG USA to provide equal employment opportunity (EEO) to all persons regardless of age, color, national origin, citizenship status, physical or mental disability, race, religion, creed, gender, sex, sexual orientation, gender identity and/or expression, genetic information, marital status, status with regard to public assistance, veteran status, or any other characteristic protected by federal, state or local law. In addition, MSIG USA will provide reasonable accommodations for qualified individuals with disabilities.

Title: Claims Counsel, Financial Lines & Cyber Location: CA-Los Angeles Job Description: Full time job requisition id JR-000761 MSIG USA continues to grow! Company Overview: MSIG USA is the US-based subsidiary of MS&AD Insurance Group Holdings, Inc., one of the world’s top P&C carriers and a global Class 15 insurer, with A+ ratings and a reach that spans 40+ countries and regions. Leveraging our 350-year heritage, MSIG USA brings the financial strength, expertise, and global footprint to offer commercial insurance solutions that address your business’s unique risks. We are seeking an experienced and detail-oriented Financial Lines Claims Counsel & Cyber to join our Financial Lines Claims and Cyber team. The Claims Attorney will be responsible for handling complex matters, including high severity claims and class actions, from inception through resolution for Financial Lines and Cyber products with an emphasis on Directors & Officers (D&O), Financial Institutions Professional Liability (E&O), Pension Trust (Fiduciary), Employment Practices Liability, and Fidelity policies. The team also handles other Specialty Lines such as Cyber, Political Risk & Trade Credit, Transactional and Tax claims. You will work closely with internal and external customers and stakeholders, deliver excellent customer service, analyze coverage, draft coverage letters, evaluate liability, make claim presentations, set judgmental reserves, and formulate and execute resolution strategies. The role can be located in one of the following office locations: NYC, Atlanta, Chicago, Cincinnati, Dallas, Los Angeles, or Warren NJ hybrid work environment (4 days in office). Key Responsibilities: - Proactively manage claims throughout their lifecycle from initial notification through final disposition. - Conduct timely and thorough investigations and analyses to determine coverage, liability and damages. - Work closely with insureds, brokers, legal counsel, vendors, and other stakeholders throughout the claims process. - Collaborate on claim resolution strategies. - Negotiate direct and mediated settlements within designated authority limits. - Prepare claim summaries and reports and make presentations. - Provide feedback on claims and trends to underwriting and stakeholders. - Maintain accurate and up-to-date claim files and diary system. Qualifications: - Bachelor’s and Juris Doctorate degrees required - Minimum of 7 years of experience handling insurance coverage litigation, Financial Lines or Cyber insurance claims, commercial litigation or other related experience. - Excellent communication and interpersonal skills to deliver exceptional customer service and build and maintain customer relationships. - Strong negotiation skills. - Detail-oriented with an ability to independently manage a caseload and prioritize tasks and deadlines. - Proficiency in Microsoft Office Suite (Outlook, Excel, Word, PowerPoint) - Ability to travel as needed. *** Candidate must be admitted to practice law in a US jurisdiction and in good standing #LI-HYBRID SALARY: The estimated salary range for this position is $110,000.00 - $230,000.00 per year. This is a good-faith assessment of the salary range for this position only. In determining the actual salary within this range, MSIG USA will consider a candidate’s relevant experience, location, and other job-related factors. Additional Benefits: Healthcare and Retirement Benefits Comprehensive medical, dental, and vision coverage 401(k) with a generous employer match and profit-sharing contribution Wellness incentive program Life and accidental death and dismemberment (AD&D) insurance Flexible spending programs Short-term and long-term disability plans Additional Benefit Programs Paid time off program Paid charitable leave Paid parental leave Tuition reimbursement program Personal insurance (auto/homeowners) discounts It's an exciting time for our company and a great opportunity to join a financially sound and growing global insurance group! It is the policy of MSIG USA to provide equal employment opportunity (EEO) to all persons regardless of age, color, national origin, citizenship status, physical or mental disability, race, religion, creed, gender, sex, sexual orientation, gender identity and/or expression, genetic information, marital status, status with regard to public assistance, veteran status, or any other characteristic protected by federal, state or local law. In addition, MSIG USA will provide reasonable accommodations for qualified individuals with disabilities.