Personal Lines Underwriter I (12-month contract)

Heartland Mutual Insurance • New Minas, NS

31d • $49,500 - $59,400

About The Position

This role is designed to build foundational underwriting expertise by supporting the assessment and evaluation of low complexity risks. The incumbent will learn and apply technical insurance knowledge, including product guidelines, rating tools, and policy terms, while developing sound decision-making skills. Through hands-on experience and training, they will gather and analyze customer information, prepare policy terms, and negotiate endorsements and renewals.

Requirements

• 1 to 3 years of experience in the insurance industry
• Post-secondary education, working towards CIP designation
• You have exemplary analytical skills and can make informed decisions.
• You are a skilled communicator who can adapt your approach to your audience.
• You can influence decisions and negotiate strategically.
• You are an enthusiastic learner who thrives within a team or independently.
• Effective communication and interpersonal skills, both written and verbal.
• You have proven decision-making and analytical skills, including the ability to determine how to grow business profitability through assessment and analysis of individual risks.

Responsibilities

• Learn the technical aspects of insurance: assessing and evaluating risk to make empowered decisions
• Understands and can apply basic knowledge of own product area (guidelines and rules, philosophies, services, ratings and available tools)
• Recognizes limitations in knowledge of risks and seeks assistance as required
• Understands and can explain the basic terms, conditions and exclusions for the policy coverage provided in own specific areas of expertise
• Seeks full understanding of risks, and where facts may be missing, uses additional underwriting tools, apps, reports, inspections to gain increased knowledge of risk
• Participate in, or provide training and development initiatives to constantly enhance the quality of decision making
• Underwrite and negotiate low complexity renewals and policy endorsements.
• Gathering background information on potential customers from information provided in proposal forms for insurance
• Analyzing all relevant data using appropriate software to determine whether the level of risk is acceptable
• Preparing the terms and conditions of insurance policies.

Benefits

• A Supportive Team: We’re not just a workplace, we’re a community. We are small but mighty, we believe in the power of connection, purpose, and belonging.
• Comprehensive Total Rewards: Enjoy a competitive compensation package made up of base salary and bonus, health and wellness benefits, pension plan, paid time off, and so much more.
• Inclusive Culture: Work in an environment that embraces diversity, equity, inclusion and belonging.
• Career Growth & Development: Take advantage of continuous learning opportunities and stretch assignments.
• Make an Impact: Play a key role in helping customers navigate challenging situations with empathy and expertise.

What This Job Offers

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