Commercial Lines Non-Admitted Underwriter

The Mutual Group • Iowa - TMG Home Office, IA

4d • $55,000 - $93,000 • Hybrid

About The Position

The Non-Admitted Underwriter independently underwrites small to mid-size non-admitted commercial accounts within assigned authority and guidelines. The role evaluates, selects, prices, and structures new and renewal business; owns underwriting quality and results for an assigned book; and balances profitable growth, retention, rate adequacy, service, and compliance.

The underwriter works independently, with guidance available for risks outside established authority or appetite. The role manages agency relationships, provides practical risk guidance, supports peers through experience, and partners with Distribution, Risk Control, Claims, Product, Actuarial, Operations, Compliance, and other functions to deliver responsive and consistent underwriting solutions.

Employees living within 30 miles of the TMG home office are expected to follow a hybrid or in-office schedule. The initial training period may require additional in-office days. Limited agency or territory travel may be required as business needs dictate.

Requirements

• Commercial insurance underwriting experience with demonstrated ability to independently handle small to mid-size accounts and exposures.
• Solid knowledge of underwriting principles, risk assessment, coverage, pricing, portfolio management, and applicable regulatory requirements.
• Ability to exercise sound independent judgment and make decisions within delegated underwriting authority.
• Business and financial acumen, including ability to interpret account and portfolio performance information and translate insights into action.
• Effective relationship management, consultative communication, negotiation, and problem-solving skills.
• Ability to work independently and collaborate effectively across functions in a matrixed environment.
• Strong written and verbal communication skills, organizational discipline, and commitment to responsive service.
• Ability to independently use core underwriting systems, data and analytics tools, and evolving technology, including AI-enabled workflows.

Nice To Haves

• Professional designation or continuing insurance education is preferred.

Responsibilities

• Underwrite small to mid-size non-admitted new and renewal accounts by analyzing exposures, loss history, financial condition, controls, inspection findings, product availability, and other available risk information.
• Set pricing, coverage, terms, conditions, limits, deductibles, and risk-improvement expectations within delegated authority and applicable guidelines.
• Exercise assigned underwriting authority and escalate risks outside authority or appetite with timely analysis and a clear recommendation.
• Drive corrective action or remediation strategies for renewal accounts when performance, controls, or emerging concerns require action.
• Execute renewals, non-renewals, conditional notices, documentation, disclosures, and applicable non-admitted regulatory requirements accurately, promptly, and compliantly.
• Own underwriting quality and performance for assigned accounts or book, including growth, pricing, retention, mix, profitability, and service results.
• Use account and portfolio data to identify trends, performance gaps, concentrations, and opportunities; take action within assigned scope and raise broader concerns when appropriate.
• Maintain a disciplined pipeline and pursue business aligned with underwriting appetite and portfolio objectives.
• Meet established production, service, quality, growth, retention, and profitability expectations.
• Manage assigned agency relationships through regular communication, portfolio reviews, pre-renewal discussions, pipeline management, and responsive problem-solving.
• Provide clear risk guidance and commercially sound solutions while maintaining underwriting discipline.
• Coordinate with Distribution to build pipeline, resolve issues or conflicts, support change adoption, and communicate relevant market conditions.
• Participate in agency or territory travel as business needs require.
• Partner with Risk Control on inspections, follow-up activity, service needs, and risk-improvement plans.
• Coordinate with Claims, Product, Actuarial, Operations, Compliance, and other partners to resolve account issues and support consistent customer and broker solutions.
• Use a consultative approach to understand agent and insured needs and develop mutually beneficial, competitive solutions aligned with underwriting objectives.
• Support continuous improvement by sharing feedback, testing new approaches, and adopting updated workflows and technology.
• Support and guide peers by sharing experience, modeling effective underwriting practices, and providing constructive feedback.
• Participate in peer reviews, onboarding, training, and knowledge-sharing activities as assigned.
• Demonstrate accountability, sound judgment, responsiveness, and collaboration.
• Use evolving underwriting technology, data, analytics, and AI-enabled workflows to improve decision quality and execution.

Benefits

• Competitive base salary plus incentive plans for eligible team members.
• 401(k) retirement plan with company match of up to 6% of eligible salary.
• Free basic life and AD&D insurance, long-term disability insurance, and short-term disability insurance.
• Medical, dental, and vision plans.
• Wellness incentives.
• Generous time off program including personal, holiday, and volunteer paid time off.
• Flexible work schedules and hybrid/remote options for eligible positions.
• Educational assistance.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: No Education Listed