Commercial lines underwriter job description

At EMC, you'll put your skills to good use as an important member of our team. You can count on gaining valuable experience while contributing to the company's success. EMC strives to hire and retain the best people by engaging, developing and rewarding employees.
Essential Functions:

Completes underwriting trainings and learning courses Shadows experienced underwriters to learn risk appetite and gain experience in developing agency relationships Under close supervision, evaluates basic accounts for risk selection and pricing purposes Analyzes information to underwrite policies Communicates with agents and provides updates on accounts Collaborates with marketing representatives to learn about providing agents with good customer experiences



Education & Experience:


Bachelor's degree, preferably in insurance or business administration, or equivalent relevant experience Insurance designations, such as CPCU preferred



Knowledge, Skills & Abilities:


Basic knowledge of underwriting and risk analysis preferred Good problem-solving skills and the ability to make sound decisions Strong customer service skills Ability to work effectively with others, as well as independently Ability to maintain high standards of professional competence Good computer skills, including knowledge of Microsoft Office and social media Ability to work on multiple projects while meeting deadlines Good written and verbal communication skills


Our employment practices are in accord with the laws which prohibit discrimination due to race, color, creed, sex, sexual orientation, gender identity, genetic information, religion, age, national origin or ancestry, physical or mental disability, medical condition, veteran status, active military status, citizenship status, marital status or any other consideration made unlawful by federal, state, or local laws.


All of our locations are tobacco free including in company vehicles.


To learn more about why you're gonna love it here, watch the video below.

You're ready to make your mark where people care about each other. Where your work is meaningful. And where your unique perspectives are welcome. Think about joining Westfield, a company focused on what's most important - the people behind our policies.

The Middle Market Underwriter 3 represents the company among a defined territory of agencies, with responsibility for the management and servicing of a profitable renewal book of Middle Market Commercial Lines business utilizing the highest level of technical underwriting ability. Leads the monthly renewal strategy meeting, acts as an Account Steward for the customer and as a key point of contact for the agency, maintaining and implementing appropriate service strategies to deliver our customer service commitment to the customer. Makes responsible decisions regarding risk acceptability and pricing. Provides agency service and maintains intra-company communications. Advises Region Leader and Middle Market Field Manager of agency situations and market trends that may need attention. Within their respective team, the Middle Market Underwriter 3 is regarded as a peer leader, subject matter expert, and mentor for technical and sales skills, and may serve as direct leader of Middle Market Underwriting Assistant.
Essential Functions (primary functions and/or reasons the job exists in order of importance)

Manages a book of Middle Market business for assigned agencies and is responsible for overall profit and growth of the book. Utilizes all present and future underwriting tools and resources. Reviews and underwrites primarily renewal business for Middle Market Commercial Lines accounts (large and/or complex Commercial Lines accounts with package premium of $25,000 and above). Evaluates exposures to loss, determines pricing, and determines acceptability of risk in accordance with company guidelines and the limits of authority established for them. Documents details of underwriting decisions, while maintaining all supporting information, records, and data in accordance with audit standards. Plays key role in planning and facilitating Monthly Renewal Strategy Meetings. Fosters discussion, helps apply best practice and past precedent, while encouraging participation and learning. Delivers quotes, terms and conditions, and Premium Value Statement (including information surfaced at the monthly renewal meeting) to the agent. Has ongoing negotiations with the agent until the renewal order is received and then sends the renewal to be processed. Whenever possible, for key customers, delivers the renewal to the policyholder along with the agent. Where indicated, is responsible for Account Stewardship of assigned policies. Serves as key contact for the agency and the customer. Services the policy throughout the year, underwrites endorsements, and keeps up with any changes that occur. Coordinates services provided to the customer, and makes sure that we are living up to our commitment to the customer to improve retention. Establishes and maintains effective communication externally (between agents and company) and internally (within the company) regarding underwriting procedures and practices, growth/profit goals and objectives, and agency relations. Travels to visit agencies and customers throughout the year.


Desired Qualifications/Experience/Certification/Education (in order of importance)

5+ years of P&C commercial lines underwriting experience. Experience applying underwriting and pricing acumen to achieve profitable results, and territory management skills. Experience providing peer coaching and training. Experience applying advanced underwriting technical knowledge. Experience managing a larger than average renewal book compared to other Middle Market Underwriters. Experience using independent judgment to complete file documentation, including pricing rationale.


Physical Requirements (specific to the role)

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.

Ability to work effectively in an office environment for 40+ hours per week (including sitting, standing and working on a computer for extended periods of time). Ability to communicate effectively in a collaborative work environment utilizing various technologies such as: telephone, computer, web, voice, teleconferencing, e-mail, etc. Ability to travel as required.


This job description describes the general nature and level of work performed in this role. It is not intended to be an exhaustive list of all duties, skills, responsibilities, knowledge, etc. These may be subject to change and additional functions may be assigned as needed by management.

Westfield cares about relationships. We pay attention to the details, and embrace what each employee brings to the mix. If you are talented in your profession but also care about people - whether you're just starting out or have decades of experience - we want to talk with you. Learn more about current opportunities at www.westfieldinsurance.com/careers.

We are an equal opportunity employer/minority/female/disability/protected veteran.

#LI-KF1

#LI-Remote

We offer a merit-based work-from-home program based on job responsibilities. After initial training in-person, you could have the flexibility of work-from-home time as defined by the leadership team.

Auto-Owners Insurance, a top-rated insurance carrier, is seeking a motivated underwriting trainee to join our team. This job performs and applies insurance coverage, rules and guidelines to execute the underwriting decision-making process according to Company underwriting philosophy. This job includes training and development through completion of the Company's underwriter training program for the assigned line of insurance and requires the person to:

* Learn various insurance coverages and contracts along with company philosophy and procedures, in order to make underwriting decisions

* Read, interpret, and react to documents such as policies, manuals, forms, and endorsements to understand their meaning and use

* Assemble information, develop opinions, and clearly express decisions using sound reasoning and judgment
* Analyze loss experience, financial conditions and physical characteristics of risks
* Acquires a working knowledge of supporting sections of the underwriting department
* Effectively communicate with independent agents and other associates through verbal and/or written means
* Participate in and successfully complete the Company underwriter training program

Desired Skills & Experience

* Bachelor's degree or direct equivalent experience with property/casualty underwriting
* Ability to organize data, multi-task and make decisions independently
* Above average communication skills (written and verbal)
* Ability to write reports and compose correspondence
* Ability to resolve complex issues
* Continually develop product knowledge through participation in approved educational programs

Benefits

Auto-Owners offers a wide range of career opportunities, and we are seeking talent that will help us continue our long tradition of success. We offer a friendly work environment, structured training program, employee mentoring and an excellent compensation/benefits package. Along with a competitive base salary, matched 401(k), fully-funded pension plan (once vested), and bonus programs, Auto-Owners also provides generous paid time off including holidays, vacation days, personal time, and sick leave. If you're looking to do rewarding work alongside great people, Auto-Owners is the place for you!

Equal Employment Opportunity

Auto-Owners Insurance is an equal opportunity employer. The Company hires, transfers, and promotes on the basis of ability, without consideration of disability, age, sex, race, color, religion, height, weight, marital status, sexual orientation, gender identity or national origin, or any factor contrary to federal, state or local law.

* Please note that the ability to work in the U.S. without current or future sponsorship is a requirement.