Middle Market Commercial Underwriter

This is a fully remote position, open to applicants in Michigan.

📋 Description

• Cultivate and enhance relationships with independent agency partners across Michigan, acting as a reliable underwriting resource and champion for profitable growth.

• Discover avenues to expand Hastings' Middle Market Commercial portfolio by collaborating with agencies to secure profitable new business while adhering to underwriting discipline.

• Conduct visits to agencies and represent Hastings within the designated territory.

• Collaborate closely with Territory Sales Managers and internal business partners to assist in agency development and territory growth strategies.

• Review, assess, and underwrite new and renewal middle market commercial business in line with underwriting guidelines and authority levels.

• Evaluate commercial risks, exposures, pricing, and coverage requirements to support informed underwriting decisions.

• Maintain comprehensive knowledge of commercial products, coverages, pricing strategies, and underwriting appetite.

• Work in partnership with agents, policyholders, and internal business partners to provide responsive, service-oriented underwriting support.

• Collaborate with Marketing, Loss Control, Claims, and Underwriting teams to aid agency development and corporate growth objectives.

• Offer guidance on coverage interpretation, pricing considerations, and underwriting best practices to both internal and external stakeholders.

• Ensure adherence to underwriting directives, regulatory standards, and company policies regarding risk selection and pricing.

• Contribute to departmental training programs, professional development initiatives, and ongoing improvement efforts.

⛳️ Requirements

• A minimum of 5 years of commercial lines underwriting experience, ideally within Middle Market business segments.

• Proven track record of evaluating commercial risks and making sound underwriting decisions across diverse industries and exposures.

• Established ability to create, maintain, and enhance relationships with independent agency partners.

• Demonstrated knack for identifying new business opportunities and contributing to profitable commercial growth.

• Experience in balancing business development goals with disciplined risk selection and profitability targets.

• A Bachelor's degree in Insurance, Business, Finance, or a related field is preferred, or an equivalent combination of education and experience.

• AU, CPCU, or other relevant industry designations are preferred.

• Strong understanding of commercial insurance products, coverages, pricing, and underwriting principles.

• Proficient in underwriting systems, agency management tools, and Microsoft Office applications.

• A valid driver's license and willingness to travel regularly within the assigned territory.

🏝️ Benefits

• 401(k) plan with company matching contributions.

• Generous vacation and sick leave policies.

• Fully funded tuition and professional development reimbursement.

• Opportunities for incentive compensation bonuses.