Specialty Underwriter

EMC Insurance Companies • London, MI

3d • $92,670 - $140,845

About The Position

At EMC, we’re all about working together to make an impact. As part of our team, you’ll have the opportunity to grow, contribute, and gain experience that matters. We strive to be caring leaders, close partners, and responsive experts—always supporting each other to do our best work. Join us, and let’s improve lives together. Position is eligible for candidates who reside in MI, OH, or KY Essential Functions: Manages the selection, growth, and maintenance of a profitable portfolio within an assigned territory within assigned underwriting authority. Conducts comprehensive evaluations of moderately complex specialty accounts, including diverse business operations within the Specialty Unit and multiple lines of coverage, to determine appropriate risk selection and pricing. Assesses exposure levels and evaluates the risk characteristics compared to the business unit UW guidelines, analyzing loss history, financial data, motor vehicle records, supplemental applications, loss control reports, and other UW tools like price guidance and premium audits. Collaborates with Program Managers to identify the training needs of our agents and helps to coordinate those sessions. Educates agents on Specialty programs, underwriting appetite, systems, and services. Visits agencies to discuss accounts and provide agents with updates in the Specialty Unit to maximize opportunities. Communicates with agents proactively and anticipates agents and insureds’ needs. Identifies opportunities and potential barriers within agency relationships. Collaborates with sales & marketing representatives to ensure agents receive superior customer experiences and select EMC as their insurer of choice. Collaborates with leadership in the agency planning process for the Specialty Unit. Monitors progress of assigned agents and guides agents in achieving annual goals. Seeks feedback from agents and takes action to improve their experience and grow strong books of business. Researches industry changes, competition, target markets, and new products. Answers questions, shares recommendations for complex situations, communication strategies, or problematic agency relationships and explains the rationale for recommendations. Supports underwriting management through reviewing work of less experienced underwriters and providing training.

Requirements

• Bachelor's degree, preferably in insurance or business administration or equivalent relevant experience
• Four years of commercial lines underwriting experience
• Excellent knowledge of underwriting and risk analysis
• Excellent knowledge of at least two lines of business
• Strong written and verbal communication skills, including presentation skills and account analysis documentation skills
• Strong problem-solving skills and the ability to make sound decisions
• Strong customer service skills
• Strong computer skills, including knowledge of Microsoft Office and social media
• Ability to work on multiple projects while meeting deadlines
• Excellent written and verbal communication skills, including the ability to speak effectively before groups
• Strong presentation skills
• Ability to work effectively with others, as well as independently
• Occasional travel required; a valid driver’s license with an acceptable motor vehicle report per company standards required if traveling

Nice To Haves

• Experience in specialty segment classes (transportation, petroleum marketers, dealerships, telecommunications, amusement/recreation) preferred
• Insurance designations, such as CPCU preferred

Responsibilities

• Manages the selection, growth, and maintenance of a profitable portfolio within an assigned territory within assigned underwriting authority.
• Conducts comprehensive evaluations of moderately complex specialty accounts, including diverse business operations within the Specialty Unit and multiple lines of coverage, to determine appropriate risk selection and pricing.
• Assesses exposure levels and evaluates the risk characteristics compared to the business unit UW guidelines, analyzing loss history, financial data, motor vehicle records, supplemental applications, loss control reports, and other UW tools like price guidance and premium audits.
• Collaborates with Program Managers to identify the training needs of our agents and helps to coordinate those sessions.
• Educates agents on Specialty programs, underwriting appetite, systems, and services.
• Visits agencies to discuss accounts and provide agents with updates in the Specialty Unit to maximize opportunities.
• Communicates with agents proactively and anticipates agents and insureds’ needs.
• Identifies opportunities and potential barriers within agency relationships.
• Collaborates with sales & marketing representatives to ensure agents receive superior customer experiences and select EMC as their insurer of choice.
• Collaborates with leadership in the agency planning process for the Specialty Unit.
• Monitors progress of assigned agents and guides agents in achieving annual goals.
• Seeks feedback from agents and takes action to improve their experience and grow strong books of business.
• Researches industry changes, competition, target markets, and new products.
• Answers questions, shares recommendations for complex situations, communication strategies, or problematic agency relationships and explains the rationale for recommendations.
• Supports underwriting management through reviewing work of less experienced underwriters and providing training.

Benefits

• Outstanding benefits with life, medical, dental, vision and prescription drug coverage
• Competitive paid time off plan and a full day of volunteer time off annually
• Financial incentives, including a 401(k) plan match, pension plan, OneEMC bonus plan and recognition and anniversary awards
• Professional development and growth opportunities, including tuition reimbursement
• Wellness initiatives to improve team member well-being and reduce health insurance costs
• Flexibility to dress for your day and opportunities for alternative work arrangements

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level