Become A Commercial Lines Underwriter

* Underwriting assignments limited to the largest accounts and most complex target/general business in the regional office.
* Regular travel to visit producers in their offices, and/or to prospects/insureds locations to help produce or retain larger account business.
* New business focus.
* Review, reject or approve applications and/or endorsement requests concerning large or complex risks.
* Communicate by telephone and through written correspondence with producers and marketing representatives.
* Provide training and guidance to other regional underwriters on underwriting large or more complex accounts.
* Perform profit/loss analyses complete with making recommendations to improve results.
* Work directly with Home Office Commercial Lines as needed.
* Perform other tasks as assigned

* Gathers information from multiple sources according to company guidelines, in order to perform underwriting analysis.
* May require gathering verbal information or data through reports or other electronic means.
* May research issues in support of unit objectives and participate on committees or special projects.
* Reviews individual risks for acceptability and handles those within authority based on company underwriting guidelines and standards.
* Analyzes quality and quantity of risks underwritten and prepares reports accordingly.
* May review agency books of business as well as profit/growth results and trends to recommend and implement action plans.
* May perform portfolio analysis or additional underwriting analysis in support of unit objectives.
* Manages larger, more complex work that requires working with and through others to meet overall project timelines and maximize workflow.
* Manages referral underwriting, which have been escalated from other underwriting staff, and provides suggested decision or approach.
* Ensures file handling quality and workflow efficiency.
* Assists in managing work inventories within the unit.
* Underwrites new business, renewals and endorsements.
* Decisions at this level may require review of additional variables, leveraging agency, sales and underwriting relationships, inspection reports and evaluation of exceptions.
* Reviews for acceptability and handles those within authority using company underwriting guidelines and standards.
* May assist manager in performing audits including corporate, underwriting, agency and self audits.
* Plans completion of assignments to meet agreed upon timelines and service level agreements.
* Provides input and feedback regarding operational business plan.
* Proactively identifies and drives opportunities for business development and issues resolution through consulting with agents and internal partners.
* Understands organizational capabilities and opportunities to drive maximum value of relationships.
* Provides technical expertise to underwriting associates and agents.
* Advises on the underwriting of larger, more complex, and/or unusual business to determine acceptability, terms, conditions, pricing and sales techniques.
* Communicates with agents and other internal and external business partners by requesting and providing requested information.
* Strengthens internal and external relationships through regular contact on underwriting matters, promoting profit and new business growth, renewal retention and service capabilities.
* May participate in the review and analysis of agency performance.
* Responds to requests from agents and underwriting staff with resolution within established time and service standards in order to facilitate and expedite service needs.
* Handles escalated underwriting issues from unit.
* Educates internal and external partners on underwriting process, practice and tools.
* Helps train less experienced underwriting staff.
* Coordinates, participates and/or leads training development or delivery as a subject matter expert.
* Identifies and communicates training needs and opportunities.
* Performs other related duties as assigned

* Analyzes, evaluates and prices risks submitted by the agent to select acceptable risks at a premium commensurate with the exposure
* Analyzes, evaluates and prices renewal business
* Processes endorsements or changes in policies
* Provide accurate verbal and written communication to the agents and state sales directors regarding Company policies and procedures
* Assists in training new underwriters
* Assumes additional duties as defined

* Duties may include but are not limited to:
* Solicits new and renewal submissions from brokers
* Determines terms and conditions and complex rating plans
* Binds coverage
* Documents the underwriting files
* Handles more complex files and portfolios within underwriting authority

* Review, reject or approve applications and/or endorsement requests concerning the more complex and diversified risks
* Perform underwriting tasks more demanding than the basic tasks as described for the Underwriter and Junior Underwriter;
* Communicate by telephone and through written correspondence with agents, insureds, and marketing representatives
* Assist and consult with the Supervising Underwriter
* Assist marketing representatives, agents and producers in engineering risks, estimating exposures and liabilities
* Frequently visit agents in their offices, working with them in soliciting, making quotations and authorizing more complex risks
* Assist in the training of other underwriters;
* Perform other tasks as assigned by the Supervising Underwriter, and/or superior.
* BENEFITS:_
* We believe strongly that talented people are core to our success and are attracted to companies that provide competitive pay, comprehensive benefits packages, career advancement and challenging work opportunities.
* We offer a Comprehensive Benefits Plan for full time employees that include the following:
* K plan
* Medical coverage
* Dental coverage
* Flexible spending accounts
* Vision care coverage
* Paid Time
* Off (PTO)
* Paid Holidays
* Paid Volunteer Day
* Pay-for
* Performance
* Employee and Dependent life insurance
* Disability insurance
* Accidental death & dismemberment insurance
* Discounts on automobile and homeowner's insurance
* Tuition reimbursement
* Employee Assistance Program (EAP)
* Credit Union membership
* Employees' Club