Commercial Insurance; Field Underwriter

Commercial Insurance (Field) Underwriter

Posted 14 days ago

Rural Mutual Insurance isseekinga detail-oriented and relationship-driven
Territorial Underwriter
to support our agents and policyholdersin

West Bend,Wisconsin and surroundingcounties. In this
field-facing role
, you will evaluate risk, make sound underwriting decisions, and partner closely with agents to grow andmaintaina profitable book of business within your assigned territory.

This remote position offers the flexibility to work from home, plus a company car, laptop, and smartphone.Itis ideal for someone who enjoys balancing analytical work with strong interpersonalcollaboration, and who thrives in a role where accuracy, sound judgment, and customer service truly matter.

Rural Mutual is a collaborative, people-centered culture where your judgment and expertise is valued. Ifyou’rean experienced underwriter who enjoys field work, values strong relationships, and thrives on making informed decisions
,we’dlove to speak with you. Apply today!

• Evaluate
  farm and commercial risks for
  acceptance, modification, or declination
  in alignment with company
  underwriting guidelines
  and assigned
  authority
  .
• Conduct onsite inspections
  of prospects and insureds, assessing
  operations, exposures, and risk controls
  ; provide
  clear, actionable risk‑management guidance
  to agents and policyholders.
• Prepare complete underwriting instructions
  to support accurate
  rating, pricing, and issuance
  of new policies.
• Apply and justify Individual Rate Modifications (IRM)for farm and commercial policies (excluding Workers’ Compensation).
• Build strong agent partnerships
  by offering guidance on
  eligibility
  ,
  coverage options
  ,
  risk improvement
  , and
  underwriting expectations
  .
• Participate in agent training sessions
  to support
  product knowledge
  ,
  risk evaluation skills
  , and
  documentation standards
  .
• Manage a structured weekly schedule
  of field visits, balancing
  travel
  with in-office time for reporting, underwriting analysis, and communication with agents and home office teams.
• Maintain accurate,timelydocumentation
  of underwriting decisions,inspectionfindings, and communications.
• Ensure compliance
  with company policies, departmental procedures, and all applicable
  regulatory requirements
  .
• Perform related duties
  as needed to support overall departmental goals.

• Minimum of three (3) years
  of property and casualty underwriting experience.
• Agriculture or agribusiness knowledge
  strongly preferred.
• Bachelor’s degree
  in Business Administration, Risk Management & Insurance, Agribusiness, or equivalent experience preferred.
• Progress toward professional insurance designations such as
  CPCU, AFIS, AU
  , or similar is beneficial.
• Demonstrates strong
  analytical
  and
  decision‑making
  skills, especially when evaluating diverse commercial and agricultural operations.
• Builds trust through
  honesty, professionalism, and integrity
  .
• Thrives when working
  independently
  in a field‑based environment while collaborating effectively with internal teams and agents.
• Approaches challenges with
  initiative, urgency, and high energy
  .
• Possesses excellent
  communication
  and
  interpersonal
  skills, with the ability to explain technical concepts clearly.
• Maintains a
  customer‑focused mindset
  , delivering positive experiences to agents and policyholders.
• Shows strong
  organizational
  and
  time‑management
  abilities, including managing travel, documentation, and competing priorities.
• Is proficient with
  Microsoft 365
  , underwriting platforms, and digital reporting tools.
• Bilingual abilities (e.g.,
  Spanish, Hmong
  ) are a plus.
• Ability to travel within assigned territory;
  valid driver’s license required
  .
• Ability to
  walk farms, commercial properties, and uneven terrain
  during onsite inspections.

$65,000 - $85,000 yearly

What You'll Love About Rural Mutual Insurance:

We are a leading property and casualty insurance company based in Wisconsin, well known for our financial strength and longevity in the insurance industry. Our reputation in the marketplace ensures stability and opens up numerous growth opportunities for our employees.

We created a welcoming place to work with friendly and professional leadership.

We are known for the great care we take with our staff, our agents, and our customers. We are passionate and determined about delivering the best customer service, preserving insurance industry knowledge, and making a difference through the work that we do.

We believe in a healthy work/life balance and, to that end, offer a competitive and comprehensive compensation package including health, dental, life, LTD, and vision insurance as well as an employee bonus plan, matching 401(k) plan, and generous time off benefits.