Commercial Lines Underwriter II

About Us

Western National Insurance Group is a private mutual insurance company with over 120 years of experience serving customers' property-and-casualty insurance needs in the Midwestern, Northwestern, and Southwestern United States. Known as “The Relationship Company®,” we define success as a measure of the relationships we’ve built over time. At Western National, we believe delivering a friendly and helpful interaction creates a better experience for everyone. Umialik Insurance Company, a member of the Western National Insurance Group, is seeking a Commercial Lines Underwriter II to join our team.

Responsibilities

• Build and maintain strong, collaborative relationships with agency partners.
• Manage an assigned agency territory to achieve established growth and profitability goals.
• Analyze the operations and exposures of various commercial risks using established underwriting practices, procedures, and assigned authority levels.
• Assess risks on new and existing business to identify opportunities that support territory loss ratio and growth objectives.
• Conduct research and analysis to develop sound underwriting solutions aligned with organizational goals.
• Apply working knowledge of coverages, forms, symbols, endorsements, and rating methodologies by line of business.
• Write new business in alignment with annual department goals.
• Make underwriting decisions guided by established policies and objectives.
• Use intermediate-level knowledge, experience, and available resources to identify and evaluate multiple solutions.
• Identify opportunities to improve underwriting processes, application efficiency, and overall effectiveness.
• Consistently demonstrate Western National’s customer experience standards by responding promptly, maintaining a positive and professional attitude, building rapport, showing empathy, managing expectations, selecting appropriate communication channels, and taking ownership to ensure issues are resolved.
• Make decisions in accordance with established policies and objectives.
• Apply intermediate-level knowledge, experience, and available resources to evaluate options and develop effective solutions.
• Identify opportunities to improve the efficiency and effectiveness of applications and business processes.

Requirements

• Demonstrated time management skills with the ability to meet deadlines.
• Strong negotiation and relationship-building skills.
• Ability to exercise sound business judgment.
• Two or more years of underwriting experience preferred.
• Demonstrated intermediate organizational and prioritization skills, with the ability to manage multiple priorities effectively.
• Solid understanding of industry practices, standards, and core underwriting concepts.
• Strong verbal and written communication skills.
• Bachelor’s degree preferred; equivalent experience in commercial lines underwriting may be considered in lieu of a degree.
• Proficiency in core underwriting systems, office technology, and standard computer software applications.

Pay

The full hiring range for this role is $69,615 - $95,749.50 annually. The base pay offered may vary depending on job-related knowledge, skills, credentials, and experience, as well as other factors such as the scope and location of the role.

Benefits

• Medical insurance plan options, including dental insurance, vision benefits, life insurance, and disability insurance.
• Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA).
• 401(k) Plan with 100% matching on the first 6% of contributions.
• Wellbeing Program, including onsite fitness studio.
• Paid Time Off – including holiday, vacation, and volunteer time.
• 100% company-paid tuition reimbursement for approved job-relevant coursework and access to The Institutes (Risk and insurance education).
• Paid parental leave.
• Bonus opportunities.

Culture and Work Environment

Western National values connectiveness, empowerment, and accountability, believing employees are our biggest asset. The company offers a flexible work environment, including hybrid and remote work arrangements designed to balance individual, job, department, and company needs.