Commercial Lines Underwriter
Utica First Insurance Company•Oriskany, NY
•Hybrid
About The Position
The Commercial Lines Underwriter is responsible for evaluating, pricing, and managing commercial insurance risks in accordance with company underwriting guidelines and authority. This role partners with agents, sales, and internal teams to support profitable growth, quality underwriting, and strong customer service.
Requirements
- Bachelor’s degree in Business, Finance, Risk Management, or related field (or equivalent experience)
- 2–5+ years of commercial lines underwriting experience
- Experience underwriting small commercial and/or middle market accounts
- Working knowledge of: Commercial Package / BOP, Property and General Liability, Umbrella / Excess
- Solid underwriting judgment and analytical skills
- Understanding of coverage forms and loss analysis
- Experience with underwriting and policy administration systems
- Proficiency in Microsoft Office, particularly Excel
- Strong written and verbal communication skills
Nice To Haves
- AU, ARM, or progress toward CPCU preferred
Responsibilities
- Underwrite new business, renewals, endorsements, and cancellations within assigned authority
- Analyze risk exposures, loss history, financial information, and coverage needs
- Apply company underwriting guidelines, pricing models, and risk selection standards
- Determine appropriate coverage terms, conditions, and pricing
- Ensure underwriting decisions are documented accurately and consistently
- Manage a book of commercial business to support profitability and retention goals
- Monitor accounts for changes in exposure, loss trends, or underwriting concerns
- Assist with renewal strategy and risk improvement recommendations
- Identify opportunities for coverage enhancement and cross-sell
- Communicate underwriting decisions clearly and professionally to agents and brokers
- Partner with Sales, Claims, and Operations to support account servicing needs
- Participate in account reviews, agency meetings, or renewal discussions as needed
- Escalate complex or out-of-authority risks appropriately
- Ensure adherence to underwriting guidelines, regulatory requirements, and audit standards
- Support underwriting audits and implement corrective actions as directed
- Maintain accurate and timely underwriting documentation
- Participate in training and professional development opportunities
- Stay current on market trends, coverage changes, and regulatory updates
- Support process improvement initiatives related to underwriting workflow and systems
- All other tasks involving project work as directed by supervisors.
Benefits
- The base pay is just one component of Utica First’s total compensation package for employees.
Stand Out From the Crowd
Upload your resume and get instant feedback on how well it matches this job.
Upload and Match Resume
What This Job Offers
Job Type
Full-time
Career Level
Mid Level
