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About the Role

The Commercial Lines Underwriter will join a dedicated underwriting team, collaborating with agency partners to deliver professional service, achieve optimal outcomes for policyholders, and drive profitable growth for Merchants and its Agency Partners.

Responsibilities

• Cultivate solid relationships with Agents and internal staff to achieve optimal outcomes for Merchants and policyholders.
• Ensure adherence to corporate underwriting policy and service standards with the underwriting assistant.
• Review accounts beyond individual authority with the Regional Underwriting Manager or Supervisor and recommend a course of action.
• Achieve commercial lines regional production goals and loss ratio objectives for the assigned territory.

Requirements

• College degree or equivalent work experience.
• 3+ years of commercial lines underwriting experience preferred or 5 years commercial experience within an agency environment.
• Property and Casualty insurance related coursework is a plus (e.g., CPCU).
• Strong background in commercial lines accounts and building relationships.
• Previous Agency relationships within the local insurance industry are highly desirable.
• Proficiency in Microsoft Office and internal company systems (WINS, ImageRight etc.).
• Strong communication, organizational, and computer skills.

Skills

• Commercial Lines Underwriting
• Relationship Building
• Microsoft Office
• Internal Company Systems (WINS, ImageRight)
• Communication Skills
• Organizational Skills
• Computer Skills

Location

• Melville, New York

Work Type

• Hybrid

Experience Level

• 3+ years of commercial lines underwriting experience preferred
• 5 years commercial experience within an agency environment

Education Level

• College degree or equivalent work experience
• CPCU (preferred)

Salary/Compensations

• $75,000 - $110,000

Benefits

• Welcoming and positive work environment
• Flexible work arrangements, including flex scheduling and summer hours
• Hybrid work schedule (two full days per week in office)
• Competitive pay scale
• Generous paid time off package
• Health Insurance
• Dental Insurance
• Vision Insurance
• Life Insurance
• Short Term Disability
• 401(k) employer match (100% up to 6%, immediately 100% vested)
• Outstanding company bonus programs
• Tuition Reimbursement

About the Company

• Merchants Insurance Group is a leading Property and Casualty Insurer in the Northeast.
• Rated A- (Excellent) with a stable outlook by A.M. Best.
• Consistently recognized as a top employer and high-performing organization.
• Recent honors include: Best Places to Work in Western New York (2023–2026), Fast Track Company (2019–2025), Top Private Company (2019–2025), Ward’s 50® top-performing property-casualty insurer (2021–2024), Ivans Spark Award for Innovation (2024–2025), and Newsweek and Statista’s America’s Most Reliable Companies list (2025).

Equal Opportunity

• Merchants Insurance Group is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability or veteran status.
• Merchants Insurance Group supports a safe workplace through pre-employment background screenings.