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About the Role

This role is responsible for the profitable growth and strategic development of the Programs portfolio, focusing on designing, scaling, and optimizing property-driven programs across niche and emerging industries. The candidate will blend technical property underwriting expertise with program leadership experience to build, evaluate, and evolve programs, influence underwriting strategy, and partner with MGAs and brokers for sustainable growth.

Responsibilities

Lead underwriting oversight of a portfolio of delegated and non-delegated authority programs, with a strong emphasis on property and property-led programs.
Conduct holistic program reviews, including profitability, rate adequacy, CAT exposure, and long-term sustainability.
Drive portfolio segmentation strategies, identifying growth opportunities within specialized property niches.
Contribute to the creation, launch, and scaling of new programs, including development of underwriting guidelines and product wordings.
Underwrite and guide complex commercial property risks, including large and non-standard exposures.
Apply deep understanding of property coverage, wordings, CAT modelling, and facultative reinsurance structures.
Support program partners in risk selection, pricing strategy, and coverage structuring.
Provide technical leadership on large accounts, high-value assets, and specialized property exposures.
Build and manage strong relationships with MGAs, brokers, and capacity partners.
Act as a trusted advisor, influencing underwriting practices and program strategies.
Collaborate on market expansion opportunities, including new distribution channels and niche sectors.
Ensure consistent service delivery and alignment of underwriting standards across delegated authorities.
Lead the review and governance of MGA and delegated underwriting authority agreements.
Oversee and enhance program audit protocols, including underwriting quality, claims trends, and financial performance.
Monitor portfolio performance using data-driven insights, actuarial inputs, and claims analysis.
Identify emerging trends and proactively implement corrective actions and underwriting adjustments.
Contribute to the national Programs strategy, with a focus on property-led growth segments.
Identify opportunities to expand into specialized industries.
Champion innovation in program design, underwriting processes, and market positioning.
Support development of standardized frameworks, playbooks, and scalable underwriting models.
Partner closely with Actuarial, Risk Services, Claims, Reinsurance, and Legal to drive profitability.
Translate technical insights into actionable strategies for program partners and internal stakeholders.
Support internal knowledge sharing and elevate technical underwriting capability across the Programs team.
Handle applicable experience in casualty and/or financial lines, given that property-centric programs may include some of these elements.

Requirements

7+ years of commercial P&C underwriting experience, with a strong emphasis on property underwriting and programs/portfolio management.
Demonstrated experience in building or managing insurance programs or niche segments.
Demonstrated experience in underwriting complex property risks and large accounts.
Demonstrated experience working with MGAs and delegated authority models (a preference).
Strong understanding of property wordings, CAT exposures, and reinsurance structures.
Strong understanding of portfolio analytics, profitability metrics, and program performance tracking.
Proven ability to drive profitable growth within specialized segments.
Proven ability to balance technical underwriting discipline with commercial strategy.
Proven ability to influence stakeholders across brokers, MGAs, and internal teams.

Skills

Property Expertise
Property Underwriting
Programs/Portfolio Management
Commercial Property Risk Underwriting
Large Account Underwriting
MGA and Delegated Authority Models
Property Wordings
CAT Exposures
Reinsurance Structures
Portfolio Analytics
Profitability Metrics
Program Performance Tracking
Commercial Strategy
Stakeholder Influence
Casualty Underwriting
Financial Lines Underwriting

Location

Toronto, ON

Work Type

On-site & Remote Work (Flexible)

Experience Level

Assistant Vice President
7+ years of commercial P&C underwriting experience

Salary/Compensations

CAD $140,000 – 190,000

Benefits

Premier flexible work environment
Competitive health & dental benefits plan
Market-leading pension plan
Competitive time off policy
External education & tuition reimbursement programs
Employee & Family Assistance Programs
Opportunity to join national employee committees

About the Company

Liberty Mutual Canada (“LM Canada”) is the Canadian operation of Liberty Mutual Insurance Company, offering a broad suite of commercial insurance products and solutions to mid-size and large Canadian companies.
LM Canada has over 300 employees and services clients coast-to-coast from regional offices.
The company fosters a collaborative, rewarding, and empowering culture committed to attracting and retaining employees across all dimensions of diversity.
LM Canada values include fostering a high-performing, equitable, and inclusive culture where diverse talent can succeed.

Equal Opportunity

If you don’t meet every listed requirement, we still encourage you to apply. We welcome diverse backgrounds and perspectives that can strengthen our team.
Liberty Mutual Canada is committed to pay transparency and fair, equitable hiring.
We encourage all qualified candidates to apply.
We do not use AI‑based screening tools in our hiring process.
Candidates who complete an interview and remain under consideration may request, and will receive, feedback within 45 days.
Liberty Mutual Canada is committed to fostering an inclusive, accessible environment where all employees feel valued and supported.
We are committed to building a workforce that is representative of the communities we operate in and serve.
If you require accommodation for the recruitment/interview process due to a disability, please let us know and we will work with you to meet your needs.