Commercial Lines Underwriter

The Commercial Lines Underwriter will manage all aspects of small commercial underwriting for an assigned group of Independent Agents within New Jersey. You will work closely with agents to develop, manage, and profitably grow your book of business while providing responsive and practical underwriting solutions.

This position requires strong technical underwriting judgment, relationship-building skills, and the ability to balance growth, service, and profitability. As part of a smaller company, you will have the opportunity to make a visible contribution and help shape the success of our Commercial Lines operation.

• Underwrite commercial lines submissions, new business, renewals, endorsements, and other policy transactions for accounts generally under $15,000 in annual written premium including BOP, CPP, Small Contractors, and Commercial Auto.
• Evaluate individual risks and make sound underwriting and pricing decisions consistent with the Company’s appetite, guidelines, and profitability objectives, including review of loss history, loss control reports, premium audits, and other underwriting information.
• Manage an assigned underwriting territory and analyze agency and book performance, including production, profitability, retention, and quote-to-bind ratios.
• Develop and maintain productive relationships with Independent Agents to attract, write, and retain profitable business while clearly communicating the Company’s underwriting appetite.
• Identify opportunities to improve agency and book performance and collaborate with the Marketing Director to develop and implement appropriate action plans.
• Provide responsive, practical, and professional service that supports the Company's commitment to ease of doing business.
• Serve as a technical resource to other underwriting team members and provide guidance on complex risks and coverage questions.
• Manage priorities and workflow effectively in a fast-paced, deadline-driven environment.
• Conduct agency visits and attend industry events as needed.
• Perform other related duties as assigned.

• At least five years of progressively responsible commercial multi-line P&C carrier underwriting experience, with an emphasis on small commercial accounts, including BOP, CPP, small contractors, and Commercial Auto.
• Strong knowledge of commercial underwriting, coverage, pricing, and risk selection at both the individual-account and overall-book levels.
• Demonstrated ability to manage a territory or book of business with accountability for growth, retention, and profitability.
• Strong analytical and decision-making abilities, including the confidence to exercise independent judgment, identify opportunities, and take initiative to improve individual, departmental, and Company performance.
• Excellent verbal, written, presentation, negotiation, and relationship-management skills, with a commitment to providing responsive and professional service to agents and Policyholders.
• Collaborative, adaptable, and solutions-oriented, with the ability to work independently, contribute effectively as part of a team, and manage competing priorities and deadlines.
• Proficiency with Microsoft Word, Excel, and Outlook. Experience with Image Right, agency portals, or similar insurance systems is preferred.
• Familiarity with MSO commercial lines products is a plus.
• Ability to travel periodically within New Jersey for agency visits and industry events.

• Bachelor's degree or an equivalent combination of education and relevant experience.
• CPCU, AU, CIC, ARM, or another relevant insurance designations strongly preferred.

This position is being hired as a full-time, in-person role at our office in Flemington, New Jersey. Regular and reliable on-site attendance is an essential requirement of the position.

The Company supports flexibility where appropriate, including flexible scheduling and occasional remote work based on individual circumstances, job responsibilities, and business needs. Greater flexibility may also be considered for established employees who have demonstrated sustained performance, reliability, effective communication, and the ability to work independently. However, such arrangements are discretionary, are evaluated individually, and are not guaranteed.

Farmers Insurance Company of Flemington maintains a healthy, smoke-free workplace. Smoking and vaping are not permitted anywhere on the Farmers campus.

Farmers Insurance Company of Flemington is an equal opportunity employer. We consider qualified applicants without regard to any status protected by applicable federal, state, or local law. Reasonable accommodation is available to qualified individuals with disabilities during the application and employment process.