Overview
Executive Commercial Lines Underwriter - Educational Institutions Unit – Hybrid, New Hartford, NY or Charlotte, NC. This full-time, exempt role focuses on underwriting commercial lines for educational institutions, including General Liability, Workers' Compensation, Property, and Commercial Auto.
The Company
At Utica National Insurance Group, 1,300 employees countrywide take our corporate promise to heart every day: To make people feel secure, appreciated, and respected. Utica National Insurance Group is an \"A\" rated $1.7B award-winning, nationally recognized property & casualty insurance carrier. Operating along the Eastern half of the United States, based in our Home Office in Central New York, with Regional Office locations including Boston, NYC, Atlanta, Dallas, Columbus, Richmond, Chicago.
What You Will Do
* Underwrite risk, including decisions on complex risks, applying insurance rules and regulations in accordance with guidelines.
* Manage a high-volume agency assignment with increased authority limits.
* Prepare material for agency reviews and work with the account underwriter on agency production and loss ratio improvement plans.
* Underwrite commercial lines policies, including General Liability, Workers' Compensation, Property, and Commercial Auto.
* Evaluate risks and determine appropriate coverage while ensuring client satisfaction.
* Monitor and influence the book of business to protect company assets, with proactive analysis and execution of agency action plans to improve profitability.
Responsibilities
* Analyze and evaluate new submissions and renewal accounts to determine acceptability of the risk within parameters outlined in the Underwriting Authority CL Underwriter Document.
* Review, interpret, and process data from applications and loss history.
* Articulate risk management principles, including exposure/hazard identification and control; demonstrate familiarity with competitive pricing and products.
* Communicate appetite, underwriting standards, declination reasons, and coverage advantages to Agents and internal partners to ensure profitability and generate quality new business submissions and retention.
* Cultivate strong business relationships with internal and external stakeholders through proactive communication and demonstrated ownership.
* Anticipate and meet customer needs, adjusting priorities to respond to changing client requirements.
* Manage a high-volume agency assignment with increased authority limits at expected quality control results.
* Analyze an agent's book of business to identify correction actions or opportunities for profitable growth.
* Demonstrate proficiency with management information data (e.g., Power BI).
* Maintain strong knowledge of the Commercial Lines marketplace and product offerings.
* Prepare material for agency reviews and collaborate with the account underwriter on agency production and loss ratio improvement plans.
What You Need
* Bachelor's degree or equivalent experience preferred.
* Minimum 5 years of experience in Commercial Lines Middle Market Underwriting preferred.
* Strong knowledge of General Liability, Workers' Compensation, Property, and Commercial Auto.
* Proven track record of underwriting and portfolio management in the middle market.
* Excellent analytical and decision-making skills.
* Strong communication, negotiation, and relationship-building abilities.
* Ability to work independently and as part of a team in a fast-paced and dynamic environment.
Working with our agency partners is a critical aspect of this role. We are seeking a proactive, resourceful, and customer-focused candidate who is results-driven and looking for a challenging and rewarding opportunity in the commercial insurance industry.
Candidates who do not meet the above experience/education may be considered as a Commercial Lines Underwriter or Senior Commercial Lines Underwriter based on overall experience/skills relevant to the role.
Additional Information
Location: New Hartford, NY OR Charlotte, NC. Hybrid.
* Executive Commercial Lines Underwriter: $90,000 - $154,000
* Commercial Lines Underwriter: $57,000 - $90,000
* Senior Commercial Lines Underwriter: $73,500 - $111,000
This position is a full-time salaried, exempt (non-overtime eligible) position. The final salary within the internal range is reflective of work experience, geographic location, education, certification(s), scope and responsibilities, and additional qualifications. This position is bonus eligible.
Utica National is an Equal Opportunity Employer.
Benefits
We offer a comprehensive benefits plan for full-time employees that includes:
* Medical and Prescription Drug
* Dental
* Vision
* Life Insurance and Disability
* 401(k) Profit Sharing and Investment Plan (includes annual Company financial contribution and discretionary Profit Sharing based on company results)
* Health Savings Account (HSA)
* Flexible Spending Accounts
* Tuition Assistance, Training, and Professional Designations
* Company-Paid Family Leave
* Adoption/Surrogacy Assistance
* Voluntary Benefits - Group Accident Insurance, Hospital Indemnity, Critical Illness, Legal, ID Theft Protection, Pet Insurance
* Student Loan Refinancing Services
* Care.com Membership with Back-up Care, Senior Solutions
* Business Travel Accident Insurance
* Matching Gifts program
* Paid Volunteer Day
* Employee Referral Award Program
* Wellness programs
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