Commercial Lines Underwriter, Agribusiness

About the role

The GrowPro Underwriter is responsible for underwriting new and renewal business within a specialized horticultural insurance program. This is a hands-on production role for an underwriter who combines sound technical judgment with strong organization, urgency, and broker relationship skills. You will evaluate account exposures, determine acceptability, develop terms and pricing, obtain needed information, document underwriting decisions, and move accounts efficiently from submission through quote, bind, and policy issuance. You will also contribute market knowledge and practical feedback that strengthen GrowPro underwriting processes, appetite, and distribution strategy. The successful candidate is a self-starter who can manage competing deadlines, recognize short-fused priorities, and maintain accuracy during peak production periods. This person works well independently while remaining collaborative and responsive to the broader team.

Responsibilities

• Underwrite and manage a portfolio of GrowPro new business and renewal accounts in accordance with program appetite, carrier requirements, authority levels, and profitability objectives.
• Analyze property and casualty exposures for horticultural operations, including buildings and greenhouse structures, business personal property, equipment, stock, business income, catastrophe exposures, premises and operations liability, products liability, commercial auto, inland marine, crime, and excess exposures, as applicable.
• Review submissions for completeness and quality; identify material gaps, discrepancies, and risk concerns; and request the specific information needed to reach a timely underwriting decision.
• Develop and negotiate appropriate pricing, terms, conditions, deductibles, limits, subjectivities, and coverage structure for new and renewal business.
• Apply consistent risk-selection judgment while recognizing the operational differences among greenhouses, nurseries, garden centers, indoor agriculture operations, and related horticultural businesses.
• Manage the underwriting workflow from initial review through indication, quote, bind, and handoff for policy issuance, with clear documentation and timely follow-up at each stage.
• Prioritize work based on effective date, submission status, broker responsiveness, account complexity, and business urgency. Escalate emerging issues early rather than allowing deadlines to lapse.
• Build productive relationships with brokers and producers through responsive, direct, and solutions-oriented communication.
• Explain underwriting requirements and decisions clearly, including requests for additional information, changes in terms, coverage limitations, pricing decisions, and declinations.
• Partner with operations, rating, policy issuance, claims, loss control, sales, marketing, and leadership to resolve account issues and improve the customer and broker experience.
• Monitor portfolio performance and emerging trends; share observations that may improve appetite, pricing, forms, underwriting guidelines, workflow, or distribution strategy.
• Contribute to process documentation, training resources, and continuous improvement initiatives within the GrowPro program.
• Maintain organized files and underwriting notes that clearly support decisions and meet internal, carrier, and audit expectations.
• Provide dependable support during seasonal volume surges and other peak business periods, which may occasionally require schedule flexibility consistent with company policy.

Requirements

• Minimum of five years of commercial P&C underwriting experience.
• Experience with agriculture, horticulture, food processing, controlled environment agriculture, or other property-intensive specialty risks is strongly preferred.
• Demonstrated ability to independently evaluate, price, negotiate, and manage both new and renewal business.
• Strong property underwriting capability, including evaluation of construction, protection, occupancy, catastrophe, equipment, stock, business income, and loss-control information.
• Working knowledge of commercial casualty coverages and the ability to identify material general liability, products, auto, inland marine, crime, and excess exposures.
• Experience underwriting on admitted and non-admitted paper.
• Proven ability to manage a high-volume desk,