Senior Underwriter

BP&C•Albany, NY

9d•Onsite

About The Position

Farm Family, a wholly-owned subsidiary of Clearbrook Group Holdings Inc., specializes in farm and ranch protection and offers a range of commercial and personal insurance products. The Senior Commercial Underwriter independently evaluates, underwrites, and manages complex commercial insurance risks in accordance with company guidelines, underwriting appetite, and profitability objectives. The role applies advanced technical expertise, sound judgment, and market awareness to assess risks, set appropriate coverage terms and pricing, and support disciplined portfolio growth. The Senior Underwriter serves as a resource to agents and internal partners on unusual or higher-hazard accounts and promotes underwriting consistency through mentoring, collaboration, and adherence to regulatory and company standards. The role represents underwriting in its assigned territory, manages an assigned book of business, and educates agents on underwriting procedures, philosophy, and products. Physical presence in the company office is required on a full-time basis. Depending on the candidate’s qualifications, the role may be filled at a lower level. Applicants must be legally authorized to work in the United States; employment visa sponsorship is not available. The listed salary range applies to hires in Richmond, Albany, and Chicago and will be commensurate with experience. Pay ranges in other locations may differ based on local labor costs.

Requirements

Six to eight years of underwriting experience, or equivalent property and casualty industry and/or farming or commercial industry knowledge.
Strong written and verbal communication skills, including the ability to clearly explain underwriting decisions.
Sound judgment and problem-solving abilities.
Ability to effectively communicate and exchange information.
Associate or bachelor's degree preferred but not required; equivalent experience may substitute for collegiate studies.

Nice To Haves

Experience mentoring or coaching less experienced underwriters.
Strong knowledge of commercial coverages, policy forms, endorsements, and rating methodology.
Familiarity with ISO forms, classifications, and state-specific rules and regulations.
Ability to identify coverage gaps, emerging risks, and portfolio trends.
Industry designations such as AINS, AU, or CPCU.

Responsibilities

Review and assess new business, renewals, endorsements, and cancellations across applicable commercial lines.
Select classifications, coverage forms, endorsements, deductibles, and limits based on exposure analysis.
Ensure policy terms, conditions, and pricing comply with filed rates, rules, state regulations, and company standards.
Document underwriting decisions clearly and thoroughly in underwriting systems, and maintain accurate policy documentation and records.
Negotiate terms and conditions within authority to balance profitability and competitive positioning.
Build and maintain effective relationships with agents, brokers, and internal stakeholders.
Manage and monitor an assigned book of business to support profitability, growth, and retention goals.
Handle co-signs and referrals, and mentor new underwriters.
Independently assess alternative ways to make risks acceptable and mentor other underwriter levels on advanced or complex risks.
Serve as the underwriting representative for the assigned territory.
Educate, coach, and train agents on underwriting procedures, philosophy, and new products.