Executive Commercial Lines Underwriter

At Utica National Insurance Group, 1,300 employees countrywide take our corporate promise to heart every day:
To make people feel secure, appreciated, and respected.

Utica National Insurance Group is an "A" rated $1.7B award‑winning, nationally recognized property & casualty insurance carrier.

Operating along the Eastern half of the United States, based in our Home Office in Central New York, with Regional Office locations including Boston, NYC, Atlanta, Dallas, Columbus, Richmond, Chicago.

Commercial Lines Underwriters are responsible for underwriting risk including underwriting decisions on complex risks to apply insurance rules and regulations in accordance with guidelines. Managing a high‑volume agency assignment with increased authority limits. Is able to prepare material for agency reviews and work with the account underwriter on agency production and loss ratio improvement plans. In this role, you will be responsible for underwriting commercial lines insurance policies, including General Liability, Worker's Compensation, Property, Commercial Auto insurance.

Account exposure include Contractor, Wholesaler, Retail, Restaurant, Manufacturers, etc. You will use your expertise to evaluate risks and determine appropriate coverage, while also ensuring the utmost satisfaction for our Insureds.

The underwriters’ responsibility is to ensure that the assets of the organization are protected by monitoring and influencing the book of business that is placed with the company. Pro‑active analysis and execution of agency action plans to improve the book of business will lead to profitability of the company.

• Analyzes and evaluates new submissions and renewal accounts to determine acceptability of the risk within parameters outlined within the Underwriting Authority CL Underwriter Document
• Reviews, interprets and processes data from various sources, including applications forms and loss history.
• Able to articulate and practice principles of risk management including knowledge of exposure/hazard identification and control. Demonstrates high degree of understanding and familiarity with competitor's price and product.
• Clearly communicates appetite, underwriting standards, declination reasons and coverage advantages to Agents and internal partners to ensure profitability and generate a flow of quality new business submissions and retention.
• Cultivates strong business relationships (internal and external) by proactively communicating and conveying ownership and commitment.
• Anticipates and meets the needs of customers and readily adjusts priorities to respond to pressing and changing client requirements.
• Manage a high‑volume agency assignment with increased authority limits at expected quality control results.
• Display the competency to analyze the 'agents' book of business, through risk characteristics profile/evaluation, to determine correction action(s) or opportunities to generate profitable growth.
• Strong understanding of the Commercial Lines marketplace/products
• Able to prepare material for agency reviews and work with the account underwriter on agency production and loss ratio improvement plans.

• Bachelor's degree or equivalent experience preferred.
• Minimum 5 years of experience in Commercial Lines Middle Market Underwriting preferred.
• Strong knowledge and understanding of General Liability, Worker's Compensation, Property, and Commercial Auto lines of business.
• Proven track record of successful underwriting and portfolio management in the middle market segment
• Excellent analytical and decision‑making skills
• Strong communication, negotiation, and relationship‑building abilities
• Ability to work independently and as part of a team in a fast‑paced and dynamic environment.

Working with our agency partners is a critical aspect of this role, and we are seeking a candidate who is proactive, resourceful, and customer focused. If you are a results‑driven underwriting professional looking for a challenging and rewarding opportunity in the commercial insurance industry, then we want to hear from you.

** Candidates that don't meet the above experience/education, may be considered as a Commercial Lines…