Commercial Lines Underwriter

At Encova Insurance, we are seeking an experienced Commercial Lines Underwriter to join our team. This dynamic role involves reviewing risks, determining acceptability, and writing profitable business accounts.

The estimated salary for this position is $95,182 per year, which includes a competitive bonus structure and comprehensive benefits package.

This includes a 401(k) plan, wellness programs, and flexible schedules with an early close every Friday. We also offer a generous bonus incentive plan and opportunities for professional growth and development.

This Middle Market Underwriter will be responsible for reviewing insurance applications, evaluating risks, classifying, and rating each risk to determine acceptability, coverage, and pricing. The successful candidate will have a deep understanding of commercial lines underwriting principles and practices.

• Determine the acceptability, quality, pricing, profitability, and opportunity for new and existing business.
• Complete thorough risk analysis on designated accounts using appropriate Encova, NCCI, ISO, and industry rules, policies, procedures, and guidelines.
• Identify, create, and initiate new business opportunities within current book of business and assigned agencies.
• Gather and analyze information necessary to make an accurate evaluation of risk.
• Accept or reject commercial lines accounts that fall outside of straight-through processing rules through exposure identification and risk analysis.

To succeed in this role, you will need:

• Minimum 2 years of commercial lines underwriting experience in package lines and/or worker's compensation in the Property and Casualty insurance market.
• Bachelor's degree preferred, demonstrated significant underwriting experience may substitute.
• Interpersonal skills, including the ability to demonstrate professionalism, adaptability, accountability, collaboration, and problem-solving.
• Insurance designations or insurance education course work (i.e., AINS-Associate in General Insurance) strongly preferred.

Encova Insurance is a leading provider of property and casualty insurance solutions. We are committed to delivering unrivaled service to our customers and providing a supportive work environment for our associates.