Technical Underwriting Consultant - Business Insurance

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36411

We are Farmers – where ambition meets opportunity.

At Farmers, we’re not just known for unforgettable jingle – we’re a team with a passion for purpose and making a real difference in people’s lives. We deliver peace of mind when it matters most. Our results-driven, high-performance culture thrives on creativity, accountability and bold solutions. Here, growth isn’t just a goal – it’s a way of life for both the organization and every individual on our team.

We tackle challenges head-on, learn from every experience and measure our impact on the customers who trust us.

Join an award-winning, equal opportunity employer, where you’ll find more than a job – you’ll find a supportive community. Enjoy competitive benefits, take part in meaningful volunteer projects, and help shape the future alongside talented colleagues across all backgrounds. At Farmers, helping others is at the heart of what we do.

Farmers believes in a culture of collaboration, creativity, and innovation, which thrives when we have the ability to work flexibly in a virtual setting as well as the opportunity to be together in person. Our hybrid work environment combines the best of both worlds with at least three (3) days in office and up to two (2) days virtual for employees who live within fifty (50) miles of a Farmers corporate office.

Applicants beyond fifty (50) miles may still be considered.

This position provides advanced technical underwriting expertise and authority, directly supporting underwriting centers through complex risk assessment, referral decisions, and consultation. The role serves as a primary escalation point for high-exposure accounts, ensuring sound risk selection and alignment with underwriting strategy and appetite.

• Evaluate and approve complex and high-exposure risks beyond standard underwriting authority levels.
• Serve as a key referral and escalation point for underwriting teams, exercising judgment on large or non-standard accounts.
• Provide guidance to underwriting centers, field underwriters, and leadership on risk selection, coverage, pricing considerations, and account management for complex or atypical risks.
• Review and assess large or complex submissions, providing recommendations and decisions that support profitability and adherence to underwriting standards.
• Monitor loss trends, large losses, and portfolio performance indicators to inform underwriting decisions and provide guidance that supports profitability, growth, and retention objectives. Lead the underwriting partnership with claims in the loss reformation investigation process.
• Conduct targeted underwriting reviews focused on technical decision-making and risk selection.
• Identify trends and provide feedback to improve underwriting quality and consistency.
• Partner with internal teams to support underwriting decisions, address complex risks, and ensure alignment with business objectives and regulatory requirements, including coordination and portfolio management of individual account reinsurance placements and collaboration with the reinsurance team on annual facility placements.
• Support development of underwriting capabilities by providing technical guidance, mentorship, and input into training initiatives for underwriting staff.
• Perform other duties as assigned.

• High School Diploma or equivalent required.

• 8+ years experience in commercial lines underwriting with demonstrated technical experience.
• Experience in underwriting areas of Liability, Work Comp & Business Auto preferred.
• Guidewire experience preferred.

Experience providing…