Commercial Underwriter, P&C

Aviva • Dartmouth, NS

3d • Hybrid

About The Position

Aviva Canada is seeking a Property & Casualty Underwriter to join their Atlantic Branch, with opportunities available for both Intermediate and Senior levels. This role focuses on supporting profitable growth through high-quality underwriting for Core and Middle Market commercial accounts, typically ranging from $7,500 to $250K in annual premium. The Underwriter will partner with brokers, customers, and internal stakeholders to provide technical underwriting expertise, excellent service, and sustainable portfolio performance. The company emphasizes a culture of care, inclusion, and collaboration, with a commitment to protecting what matters most.

Requirements

• 3+ years of Commercial P&C underwriting experience (Intermediate Candidates)
• Post-secondary education or equivalent experience (Intermediate Candidates)
• CIP designation completed or in progress (Intermediate Candidates)
• Strong communication, negotiation, and relationship-management skills (Intermediate Candidates)
• Comfortable working independently and collaboratively in a fast-paced environment (Intermediate Candidates)
• 7+ years of Property & Casualty underwriting experience (Senior Candidates)
• Post-secondary education or equivalent practical experience (Senior Candidates)
• CIP or FCIP designation preferred (Senior Candidates)
• Deep knowledge of underwriting philosophy, policy contracts, pricing, and risk assessment (Senior Candidates)
• Expertise in one or more segments such as Construction, Contractors, Manufacturing, Wholesaling, Builders Risk, and Wrap Up (Senior Candidates)
• Strong presentation, facilitation, and stakeholder influencing capabilities (Senior Candidates)
• Ability to mentor and coach more junior underwriters in upskilling technical knowledge (Senior Candidates)
• Strong service orientation with a solutions focused mindset (Both levels)
• Ability to proactively identify and pursue growth opportunities (Both levels)
• Professional, confident communicator who builds long term broker partnerships (Both levels)
• Ability to think outside the box and has well versed underwriting acumen (Both levels)

Nice To Haves

• CIP or FCIP designation preferred (Senior Candidates)
• Expertise in one or more segments such as Construction, Contractors, Manufacturing, Wholesaling, Builders Risk, and Wrap Up (Senior Candidates)

Responsibilities

• Qualify and underwrite new business and renewal Commercial Property & Casualty accounts
• Assess customer needs and risk characteristics to balance top-line growth and bottom-line profitability
• Set coverage terms, conditions, and pricing in accordance with underwriting guidelines and delegated authority
• Build and maintain strong relationships with brokers, customers, and internal partners
• Negotiate terms, pricing, and coverage for new business, renewals, and mid-term changes
• Maintain portfolio quality by monitoring loss trends, market conditions, and risk performance
• Stay current on industry trends, legal, and regulatory changes
• Effectively utilize Commercial Insurance systems and tools
• Independently underwrite Core Market commercial accounts within assigned authority (Intermediate)
• Review new business submissions and renewals, escalating more complex risks as appropriate (Intermediate)
• Deliver responsive, solutions oriented broker and customer service (Intermediate)
• Contribute to market research, pricing insights, and product or coverage discussions (Intermediate)
• Support updates to underwriting guidelines, bulletins, and procedures (Intermediate)
• Help identify emerging risk trends and participate in remediation strategies (Intermediate)
• Support learning and development initiatives, including assisting with training and knowledge sharing (Intermediate)
• Underwriting Core and Middle Market accounts, including medium to complex risks, within higher authority levels (Senior)
• Acting as a technical referral and escalation point for junior and intermediate underwriters (Senior)
• Driving profitable growth through disciplined risk selection and portfolio management (Senior)
• Providing insight on market trends, loss drivers, and underwriting performance (Senior)
• Participating in pricing, coverage, and product enhancements and contributing to underwriting guidelines and manuals (Senior)
• Mentoring and developing underwriting talent; supporting formal and informal training initiatives (Senior)
• Conducting broker and insured meetings to develop new business and retain key, profitable accounts (Senior)
• Serving as a subject matter expert within the branch or region (Senior)

Benefits

• Compelling rewards package including base compensation, eligibility for annual bonus, retirement savings, share plan, health benefits, personal wellness, and volunteer opportunities.
• Hybrid flexible work model.
• Outstanding career development opportunities.
• Support for professional development education.
• Competitive vacation package with the option to purchase 5 extra days off per year.
• Employee-driven programs focused on gender, LGBTQ+, origins, diversity, and inclusion.
• Corporate wellness programs to support our employees’ physical and mental health.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: Associate degree