Commercial Lines Underwriter

About the role

Auto-Owners Insurance, a top-rated insurance carrier, is seeking a motivated underwriting trainee to join our team. This role performs and applies insurance coverage, rules, and guidelines to execute the underwriting decision-making process according to the Company’s underwriting philosophy. The position includes training and development through completion of the Company’s underwriter training program for the assigned line of insurance.

We offer a merit-based work-from-home program based on job responsibilities. After initial in-person training, you could have the flexibility of work-from-home time as defined by the leadership team.

Responsibilities

• Learn various insurance coverages and contracts along with company philosophy and procedures to make underwriting decisions
• Read, interpret, and react to documents such as policies, manuals, forms, and endorsements to understand their meaning and use
• Assemble information, develop opinions, and clearly express decisions using sound reasoning and judgment
• Analyze loss experience, financial conditions, and physical characteristics of risks
• Acquire a working knowledge of supporting sections of the underwriting department
• Effectively communicate with independent agents and other associates through verbal and/or written means
• Participate in and successfully complete the Company underwriter training program

Requirements

• Bachelor’s degree or direct equivalent experience with property/casualty underwriting
• Ability to organize data, multi-task, and make decisions independently
• Above average communication skills (written and verbal)
• Ability to write reports and compose correspondence
• Ability to resolve complex issues
• Continually develop product knowledge through participation in approved educational programs

Benefits

• Competitive base salary
• Matched 401(k)
• Fully-funded pension plan (once vested)
• Bonus programs
• Generous paid time off including holidays, vacation days, personal time, and sick leave

Auto-Owners offers a friendly work environment, structured training program, and employee mentoring.