Personal Lines Underwriter II

At Heartland Mutual Insurance, we’re more than just a company — we’re a community.

Proudly rooted in Ontario and Nova Scotia, we’re driven by a bold vision: to be the Best Mutual. Our team of passionate professionals doesn’t just follow the norm — we challenge it. We think differently, aim high, and deliver on our promise with a personal touch.

Here, you’ll be part of a culture that values authenticity, embraces change, and empowers you to make a meaningful impact every day. Together, we bring our purpose to life by living our values and putting people first.

Personal Lines Underwriter II - Waterloo, Ontario

The purpose of this role is to underwrite and manage a portfolio of business by assessing and negotiating medium complexity renewals, endorsements, and new submissions. The incumbent will apply sound underwriting judgment and company philosophy to evaluate risk, set appropriate terms and conditions, and ensure compliance with regulatory standards.

• Underwrite and negotiate medium complexity renewals, policy endorsements, and new business.
• Gathering background information on potential customers and analyzing all relevant data to determine risk levels.
• Preparing terms and conditions of insurance policies.
• Underwriting portfolio management, working within the company operational plan to understand and apply underwriting philosophy to write a profitable book of business.
• Provide exemplary customer experience and manage the development of internal and external stakeholders.
• Negotiate terms and conditions of risk acceptance with brokers.
• Ensure day-to-day underwriting practices confirm to all necessary regulatory obligations.
• Product and pricing management, understanding and implementing company marketing strategies; assist management in development of products, pricing, and services.
• Identify and communicate trends to management.
• Participate in, or provide, training and development initiatives.
• Preparing the terms and conditions of insurance policies.

• As our ideal candidate, you have previous experience within the insurance industry as well as a solid understanding of Personal Lines contracts.
• You have proven decision-making and analytical skills, including the ability to determine how to grow business profitability through assessment and analysis of individual risks.
• Post-secondary education or equivalent experience.
• CIP designation is preferred.
• Previous experience in underwriting and rural business, dealing with or as a broker would be an asset.

If you have the qualifications we are seeking and would thrive in a work environment where you are valued and respected, please apply on the company website. Accommodation is available on request for candidates taking part in all aspects of the selection process.

What’s in it for You:

• Join a Supportive Team:Be part of a collaborative and high-performing team that values knowledge sharing and celebrating wins together.
• Comprehensive Total Rewards:Enjoy a competitive compensation package, including health and wellness benefits, pension plan, paid time off, and more.
• Career Growth & Development:Take advantage of continuous learning opportunities and stretch assignments.
• Make an Impact:Play a key role in helping customers navigate challenging situations with empathy and expertise.
• Inclusive Culture:Work in an environment that embraces diversity, equity, inclusion and belonging.

At Heartland Mutual Insurance, you’re empowered to thrive. Whether it’s your career, your well-being, or your future, we've got you covered.