Intermediate Underwriter

Who We Are

Halwell Dumfries Mutual is a policyholder‑owned, financially secure, community‑based Property & Casualty insurer; one of a group of Mutual companies forming a strong partnership across the province. We have been insuring the assets of rural and urban policyholders in Guelph and the Tri‑Cities through a dedicated network of independent brokers and exclusive agents for more than 160 years, with a Gross Written Premium base of over $70 million.

• Freedom and autonomy to work on new and interesting things
• The opportunity to make an impact on a well‑established and growing organization
• A flexible, fun and supportive culture that’s a certified Great Place to Work™ 4‑years running and was named a Best Workplace™ for Financial Services & Insurance in 2024
• Meaningful work in an organization that maintains a strong link to community and strives to “make it better”
• Competitive compensation package for all permanent staff, including salary, benefits & pension, Annual Incentive Plan, learning & development opportunities, and generous paid time off

Level 1 2 3 4 5 6

Salary Range $58,000-$85,000

Reason for Posting Vacancy /
New Position

The Intermediate Underwriter, under the direction of the Underwriting Team Lead, is responsible for reviewing applications, analyzing risk exposures, and determining the acceptability of risks in accordance with company policies and legislated guidelines. This role includes underwriting and quoting new business, renewals, and endorsements, determining appropriate premiums, coverages, terms, and conditions within delegated authority, and developing strong broker relationships. We are seeking an underwriter with a strong interest in agriculture and rural communities to join our Underwriting team.

The successful candidate will support new and existing business through sound underwriting judgement, responsive service, and strong relationships with producers, brokers, colleagues, and insureds. Experience or lived experience connected to farming, agriculture, or rural communities is considered a strong asset.

• 3-5+ years of underwriting experience
• Strong knowledge of farm risk exposures, including livestock, crops, barns, machinery, and liability
• College diploma or certificate
• Working toward CIP considered an asset
• Prior underwriting authority levels and broker‑facing experience
• Experience underwriting and quoting new business, renewals, and endorsements
• Ability to assess exposures, analyze risk, and determine appropriate premiums, terms, coverages, and conditions within delegated authority
• Demonstrated independent underwriting judgement and sound decision‑making skills
• Experience with mid‑to‑large and more complex accounts
• Strong negotiation skills, including experience discussing pricing, coverage, and underwriting terms
• Good knowledge of insurance legislation, regulations, policy features, and underwriting best practices
• Strong analytical, investigative, and critical thinking skills, with the ability to identify and mitigate risk using flexible and creative underwriting approaches
• Demonstrated time management and organizational skills, with an appropriate sense of urgency
• Exceptional interpersonal, communication, and customer service skills
• Ability to work independently as well as part of a distributed team
• High level of integrity, accountability, and professionalism
• Proficiency in Microsoft Office 365, web‑based applications, and broker/carrier systems, with the ability to adapt to new technology quickly

We are looking for a collaborative, self‑motivated team player with a keen interest in agriculture to join our team on a permanent, full‑time basis. You are a patient, positive communicator who brings strong judgement, a practical approach to underwriting risk, and a genuine interest in building relationships with producers, brokers, and colleagues. As a flexible hybrid workplace, you will split your time between your home office and our office in Guelph.

If you thrive in a supportive hybrid team environment and are seeking meaningful employment with an innovative organization that truly values its staff,
apply today!