Senior Underwriter, CI

Liberty Mutual Insurance•Fargo, ND

4d•$83,000 - $157,000

About The Position

Great underwriters know how to balance data, technology, and human judgment. If you enjoy both quantitative and qualitative reasoning, and you’re energized by the opportunity to manage your own accounts while partnering closely with agents, brokers, and distribution teammates, consider joining Liberty Mutual’s underwriting team. In this role, you’ll use underwriting expertise, analytical tools, and AI-enabled insights to develop, grow, and maintain a profitable diversified book of Farm and Ranch business while helping shape the future of underwriting at Liberty Mutual. As part of your portfolio strategy, you’ll manage a profitable book of Farm and Ranch business by writing new accounts, growing strong agent and broker relationships, and pursuing renewals. You’ll use AI-enabled insights and portfolio data to prioritize opportunities, improve submission quality, and strengthen account strategy. You’ll evaluate data, model insights, and account information to determine risk selection, pricing, terms, and coverage conditions. You’ll also identify opportunities to improve growth, profitability, and diversification using both analytics and underwriting judgment. You’ll maintain and strengthen relationships with agents and brokers while collaborating closely with Territory Managers and other distribution partners. You’ll present proposals, negotiate deals, and explain underwriting decisions clearly and confidently. Contributing to overall team success, you’ll partner across underwriting and distribution to improve agency experience, submission quality, renewal execution, and account strategy. You’ll also mentor underwriters and share best practices that strengthen both technical underwriting and professional development. You’ll ensure the deal is complete by documenting account reviews, sign-offs, referrals, and underwriting decisions in accordance with company standards and state requirements. At Liberty Mutual, underwriting and distribution are increasingly working as strategic partners to improve agency experience, strengthen account execution, and drive profitable growth. In this role, you’ll collaborate with distribution teammates and agency partners to improve submission quality, align on renewal strategy, and focus on the highest-opportunity accounts. You’ll use AI, data, and financial insight to support faster, more consistent decision-making — while continuing to apply the human judgment and relationship skills that great underwriting requires. We’re using AI and advanced analytics to help underwriters work smarter — identifying patterns, improving prioritization, supporting submission triage, and surfacing opportunities faster. The right candidate will be comfortable using these tools to enhance underwriting decisions, not replace them. You’ll bring the curiosity to learn new tools and the judgment to apply them responsibly.

Requirements

3-5+ years of commercial lines or farm and ranch experience
Experience with multi-line insurance products
Experience using analytics or technology tools to improve underwriting workflow, account strategy, or decision-making.
Analytical, problem-solving capabilities
Strong territory management skills
Excellent communication skills
An aptitude for building rewarding relationships with agents and brokers, peer underwriters, underwriting assistants, and junior underwriters
Comfort leveraging data, digital tools, and AI-enabled insights to support underwriting decisions and portfolio management.
Command of insurance finance and actuarial concepts
Thorough knowledge of commercial insurance products, underwriting, risk selection, pricing and marketplaces, as well as regulatory issues in relevant territories
Understanding of contract language, including regulatory and policy differences among applicable states
Familiarity with continuous improvement processes and tools
A bachelor’s degree in a related field

Nice To Haves

Chartered Property Casual Underwriter or other professional insurance designation preferred (currently or in process)
AFIS Agribusiness and Farm Insurance Specialist

Responsibilities

Manage a profitable book of Farm and Ranch business by writing new accounts, growing strong agent and broker relationships, and pursuing renewals.
Use AI-enabled insights and portfolio data to prioritize opportunities, improve submission quality, and strengthen account strategy.
Evaluate data, model insights, and account information to determine risk selection, pricing, terms, and coverage conditions.
Identify opportunities to improve growth, profitability, and diversification using both analytics and underwriting judgment.
Maintain and strengthen relationships with agents and brokers while collaborating closely with Territory Managers and other distribution partners.
Present proposals, negotiate deals, and explain underwriting decisions clearly and confidently.
Partner across underwriting and distribution to improve agency experience, submission quality, renewal execution, and account strategy.
Mentor underwriters and share best practices that strengthen both technical underwriting and professional development.
Document account reviews, sign-offs, referrals, and underwriting decisions in accordance with company standards and state requirements.
Collaborate with distribution teammates and agency partners to improve submission quality, align on renewal strategy, and focus on the highest-opportunity accounts.
Use AI, data, and financial insight to support faster, more consistent decision-making.
Apply human judgment and relationship skills to underwriting.
Use AI and advanced analytics to enhance underwriting decisions.
Learn new tools and apply them responsibly.