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About the Role

The Senior Underwriting Officer, Construction is the technical underwriting leader and national subject matter expert for Liberty Mutual Canada’s Construction vertical. This role is accountable for the Construction underwriting strategy, standards, and governance across property and casualty lines, including property, GL, automobile, contractors equipment/inland marine, wrap-up, and builders risk. The position involves owning the strategy for underwriting appetite, risk selection, guidelines, and tools to ensure profitable growth, monitoring portfolio performance, and ensuring adherence to governance frameworks. The role also involves leveraging insights from the North American Office of Underwriting community and translating NA capabilities back into the Canadian vertical.

Responsibilities

Develop and maintain the Construction underwriting strategy for Canada, defining appetite, risk selection criteria, portfolio mix targets, limits frameworks, and aggregation controls.
Serve as the national technical authority for Construction underwriting, providing oversight, referral decisions, and technical guidance on complex accounts.
Build, maintain, and continuously improve Construction underwriting guidelines, coverage positions, policy wordings, and referral frameworks.
Lead the development and enhancement of Construction-specific underwriting tools, including appetite frameworks, rating/pricing standards, and risk assessment frameworks.
Monitor Construction portfolio performance, tracking loss ratios, price adequacy, quality indicators, and execution against strategy.
Partner closely with the Head of Construction to ensure strategy translates into consistent field execution.
Provide coaching, technical mentorship, and underwriting guidance to Construction underwriters.
Collaborate with the broader Liberty Mutual Canada Office of Underwriting on enterprise-wide governance, quality assurance, and controls.
Serve as LMC's primary connection to the North American Office of Underwriting community, contributing Canadian insights and activating NA tools.
Partner with Actuarial to monitor portfolio performance, assess pricing adequacy, and analyze loss development.
Work with Claims leadership to review large loss activity and trends, translating insights into underwriting action.
Collaborate with Risk Control/Engineering to shape risk assessment approaches and integrate risk quality indicators.
Lead Construction product initiatives, including program development and new coverage capabilities.
Analyze market conditions, competitor activity, and emerging risks affecting Construction underwriting in Canada.
Contribute to financial planning, portfolio forecasting, and business reporting for the Construction vertical.
Represent Liberty Mutual Canada in industry forums and broker meetings as a Construction technical expert.

Requirements

15+ years of progressive commercial underwriting experience, with deep specialization in Construction lines of business at a leading P&C insurer or reinsurer.
Extensive technical knowledge of construction-related P&C coverages and exposures, including builders risk, wrap-up liability, contractors general liability and contractors equipment, and manuscript coverages for complex construction accounts.
Demonstrated expertise underwriting complex contractor accounts – mid-sized and large risks, project-based accounts, and multi-line construction placements – with strong command of contractor operations, project finance, WIP, contractual risk transfer, JVs and surety interplay.
Proven ability to develop and own underwriting strategy — translating market intelligence, portfolio data, actuarial insights, and claims experience into clear guidelines, appetite positions, and actionable direction for the field.
Track record of building and maintaining underwriting tools, frameworks, and guidelines that improve decision quality and consistency at scale.
Strong portfolio management capability — experience monitoring and steering a Construction book using loss ratio analysis, price adequacy tracking, quality indicators, and margin runway methodology.
Experience operating within a matrixed organization — ability to influence field underwriting teams, cross-functional partners, and North American stakeholders without direct authority.
Strong collaboration skills — proven ability to work in close partnership with a field-facing leader and shared accountability for portfolio outcomes.
Experience engaging with North American or global underwriting communities — contributing to broader strategy, activating enterprise capabilities locally, and representing a market or segment perspective in multi-jurisdictional discussions.
Strong communication, presentation, and decision-making skills; ability to translate technical complexity into clear strategic direction for field underwriters and executive audiences.
Experience partnering with Actuarial, Claims, Risk Control/Engineering, and Operations to drive portfolio performance and underwriting quality.
Demonstrated commitment to developing underwriting talent — coaching, mentoring, and building technical capability within a team.

Skills

Construction underwriting
Property and Casualty (P&C) coverages and exposures
Builders risk
Wrap-up liability
Contractors general liability
Contractors equipment
Manuscript coverages
Underwriting strategy development
Portfolio management
Risk assessment
Financial planning
Communication
Presentation
Decision-making
Coaching
Mentoring

Location

Toronto
Calgary
Vancouver
Montreal

Work Type

Flexible work environment (combination of on-site & remote work)

Experience Level

Senior
15+ years of progressive commercial underwriting experience

Benefits

Competitive health & dental benefits plan
Market-leading pension plan
Competitive time off policy
External education & tuition reimbursement programs
Employee & Family Assistance Programs
Opportunity to get involved in national employee committees (social responsibility, employee engagement, diversity, equity & inclusion)

About the Company

Liberty Mutual 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.
Liberty Mutual 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.
Values include fostering a high-performing, equitable, and inclusive culture where diverse talent can succeed.

Equal Opportunity

Liberty Mutual Canada is committed to fostering an inclusive, accessible environment where all employees feel valued and supported.
The company is committed to building a workforce that is representative of the communities it operates in and serves.
Candidates who require accommodation for the recruitment/interview process due to a disability should notify the company.