Commercial Lines Underwriter (N&D)

Responsibilities

• Underwrite and evaluate commercial risks
• Evaluate new business and renewals for eligibility, pricing adequacy and alignment with department appetite
• Analyze loss runs, operations, COPE data to determine risk acceptability
• Identify red flags- loss history, gaps in coverage, billing issues, building maintenance
• Structure terms, conditions, endorsements and deductibles to match risk factors
• Document underwriting file clearly for appetite compliance
• Build and maintain strong, trust-based relationships with assigned agencies through consistent communication, responsiveness, and in-person visits
• Communicate underwriting decisions, appetite, and expectations clearly and professionally via email, phone, and agency meetings
• Manage book to drive profitability
• Resolve rating, coverage, or documentation issues within authority and escalate appropriately when needed
• Monitor renewal quality, loss trends, and risk characteristics to ensure profitable book performance
• Identify risks requiring cancellation or non-renewal and issue legal notices when warranted
• Provide feedback on system issues, appetite clarity, and process enhancements to improve efficiency and consistency

Requirements

• Strong proficiency in Microsoft Office suite (Excel, Word, Outlook)
• Excellent organizational skills with strong attention to detail and accuracy
• Effective interpersonal and communication skills, both verbal and written
• Ability to manage multiple tasks and work under pressure to meet deadlines
• Proactive, flexible, and able to adapt to evolving audit processes
• Collaborative with a customer-service mindset

Desired Qualifications And Skills

• Bachelor’s degree preferably in Insurance, Business Administration, or a related field
• 2+ years of Property and Casualty Insurance experience preferably in the commercial lines field
• Familiarity with commercial underwriting and N&D’s commercial risk appetite
• CPCU designation or a combination of other related designations such as AU/AINS/CRIS or must have a willingness to pursue said designations
• General knowledge of insurance laws, practices and regulations
• Demonstrated ability to excel in the rapidly changing environment of insurance underwriting
• Excellent time management and relationship building skills
• Process improvement / problem solving skills