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About the Role

Commercial Lines Underwriters are responsible for underwriting risk, including making decisions on complex risks to apply insurance rules and regulations in accordance with guidelines. This role involves managing a high-volume agency assignment with increased authority limits, preparing material for agency reviews, and collaborating on agency production and loss ratio improvement plans. You will evaluate risks and determine appropriate coverage for General Liability, Worker's Compensation, Property, and Commercial Auto insurance policies, ensuring client satisfaction.

Responsibilities

Analyzes and evaluates new submissions and renewal accounts to determine acceptability of the risk within parameters outlined within the Underwriting Authority CL Underwriter Document.
Reviews, interprets and processes data from various sources, including application forms and loss history.
Articulates and practices principles of risk management including knowledge of exposure/hazard identification and control.
Demonstrates high degree of understanding and familiarity with competitor's price and product.
Clearly communicates appetite, underwriting standards, declination reasons and coverage advantages to Agents and internal partners to ensure profitability and generate a flow of quality new business submissions and retention.
Cultivates strong business relationships (internal and external) by proactively communicating and conveying ownership and commitment.
Anticipates and meets the needs of customers and readily adjusts priorities to respond to pressing and changing client requirements.
Manages a high-volume agency assignment with increased authority limits at expected quality control results.
Analyzes the agents' book of business, through risk characteristics profile/evaluation, to determine correction action(s) or opportunities to generate profitable growth.
Completes understanding of management information data (i.e. Power BI).
Prepares material for agency reviews and works with the account underwriter on agency production and loss ratio improvement plans.

Requirements

Bachelor's degree or equivalent experience preferred.
Minimum 5 years of experience in Commercial Lines Middle Market Underwriting preferred.
Strong knowledge and understanding of General Liability, Worker's Compensation, Property, and Commercial Auto lines of business.
Proven track record of successful underwriting and portfolio management in the middle market segment.
Excellent analytical and decision-making skills.
Strong communication, negotiation, and relationship-building abilities.
Ability to work independently and as part of a team in a fast-paced and dynamic environment.
Proactive, resourceful, and customer focused.

Skills

Risk management
Risk assessment
Commercial Lines marketplace/products
Underwriting
Communication
Negotiation
Relationship-building
Analytical skills
Decision-making

Location

New Hartford, NY

Work Type

Hybrid
Remote

Experience Level

Executive Commercial Lines Underwriter
Commercial Lines Underwriter
Senior Commercial Lines Underwriter

Education Level

Bachelor's degree or equivalent experience

Salary/Compensations

$90,000 - $154,000
$57,000 - $90,000
$73,500 - $111,000

Benefits

Medical and Prescription Drug Benefit
Dental Benefit
Vision Benefit
Life Insurance and Disability Benefits
401(k) Profit Sharing and Investment Plan
Health Savings Account (HSA)
Flexible Spending Accounts
Tuition Assistance, Training, and Professional Designations
Company-Paid Family Leave
Adoption/Surrogacy Assistance Benefit
Voluntary Benefits - Group Accident Insurance, Hospital Indemnity, Critical Illness, Legal, ID Theft Protection, Pet Insurance
Student Loan Refinancing Services
Business Travel Accident Insurance
Matching Gifts program
Paid Volunteer Day
Employee Referral Award Program
Wellness programs
Personal Insurance Discount
Eligibility for Variable Compensation Bonus plan

About the Company

Utica National Insurance Group has 1,400 employees countrywide.
Utica National Insurance Group is an "A" rated $2.0B award-winning, nationally recognized property & casualty insurance carrier.
Operating along the Eastern half of the United States, based in our Home Office in Central New York, with Regional Office locations including NYC, Dallas and Charlotte.

Equal Opportunity

Utica National is an Equal Opportunity Employer.