Small Commercial Underwriter (Hybrid)
Utica National Insurance Group•New Hartford, NY
•Hybrid
About The Position
Utica National Insurance Group is seeking an experienced Commercial Lines Underwriter to evaluate and analyze risks associated with new and renewal business and manage a profitable portfolio in accordance with company guidelines and authority levels. The role uses underwriting expertise to make sound, strategic decisions and includes reviewing risks, pricing policies, supporting agents, and coordinating with company personnel. The position is full-time, salaried, exempt, and not eligible for overtime. It is bonus eligible.
Requirements
- 4–7 years of underwriting experience preferred.
- Advanced knowledge of forms, coverages, and ratings.
Nice To Haves
- Bachelor’s degree preferred.
Responsibilities
- Review risks within granted authority and approve them or issue rejection notices.
- Review and document risks outside granted authority for referral to the Supervising Underwriter.
- Order and analyze investigation reports on current or potential insureds to support underwriting decisions, as appropriate.
- Review and approve or reject policy endorsement requests.
- Interpret available data and information to price policies within company guidelines.
- Build relationships with current agents and agencies and cultivate potential opportunities and submissions through proactive call-outs.
- Communicate with agents and company personnel about insureds, potential insureds, policy endorsements, and coverages.
- Stay current on agents’ and producers’ loss ratios and volume, manual changes, restricted lists, and changes in company underwriting procedures.
- Prepare written instructions for processing units regarding endorsements.
- Review claim files to determine risk desirability and risk classification information.
- Revise expiring policy files to determine renewal desirability.
- Achieve individual performance metrics, including agent call-outs, written premium, and loss ratio, as well as other assigned metrics.
- Apply advanced knowledge of forms, coverages, and ratings to properly review policies.
Benefits
- Competitive pay
- Comprehensive benefits package
- Medical and prescription drug benefit
- Dental benefit
- Vision benefit
- Life insurance and disability benefits
- 401(k) Profit Sharing and Investment Plan, including an annual company financial contribution and discretionary profit-sharing contribution based on annual company financial results
- Health Savings Account (HSA)
- Flexible Spending Accounts
- Tuition assistance, training, and professional designations
- Company-paid family leave
- Adoption/surrogacy assistance benefit
- Voluntary benefits, including group accident insurance, hospital indemnity, critical illness, legal, identity theft protection, and pet insurance
- Student loan refinancing services
- Business travel accident insurance
- Matching Gifts program
- Paid volunteer day
- Employee referral award program
- Wellness programs
- Personal insurance discount
- Bonus eligible
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
