Personal Lines Underwriter Level 3

The Common well Mutual Insurance Group is not just another insurance company; we are a P&C Mutual company with solid grass roots within our community. We’re proud to be a leader within the P&C industry, offering a Mutual experience rich with history, opportunity and exceptional customer service. We are committed to profitable growth, team development, ingenuity, building on strong connections in our remote first work environment.

We encourage a work-life balance, and we are serious about what we do.

Here at The Common well, we are all about Protecting Individuals, Together! Our vision is to continue to build an environment that develops and attracts the very best by empowering everyone to foster a workplace where everyone can perform at their very best, be their authentic self and bring their whole self to work.

The purpose of this position is to review, analyze, and evaluate new business and renewals to determine risk level by using different methods of investigation. Working within a team environment, the incumbent will provide calculations for policies, inspections, and support to our broker force. The incumbent must evaluate policies based on acceptability of risk with a focus of reducing claim exposure while promoting new business and retention for the company.

The incumbent will be required to leverage their technical expertise in supporting both internal staff and external broker and agent partners.

• Strong communication skills at an individual and group level
• Ability to lead product and technical training to internal staff and external broker partners
• Ability to clearly communicate company positioning on issues to partners

• Support or lead, where required, the technical development of support staff within the underwriting department through training and mentorship
• Active working relationships with all functional units of the organization, and significant breadth of industry contacts including, but not limited to, other Ontario farm mutuals to support competitive intelligence

• Completion of Post-Secondary Education
• 3-5 years’ experience within Property Lines Underwriting
• Great organizational skills and ability to multi-task is required
• Thorough attention to detail is a must to ensure accuracy of policy documents
• Ability to perform moderate mathematical calculations is required
• Effective communication skills: verbal, non-verbal and written
• Sound morals, ethic and confidentiality with ability to develop trusting and effective working relationships with peers, employees and business partners
• Strong computer literacy, proficiency in all Microsoft Office programs and Internet navigation
• Working knowledge in reading and interpreting all policy wordings relevant to residential and farm insurance. Requires some support in underwriting complex files with agri-commercial business, excess and umbrella liability
• A working knowledge of reinsurance products available to FM and the necessary process for cession as well as all restrictions of FMIC’s reinsurance treaty
• Capability to partner, where necessary, the inception and/or renewal of subscription policies with FMIC as a lead or follower subscriber

• Remote work environment
• Flexible Work arrangements
• Competitive Compensation Package
• Training and Development Opportunities
• Pension and savings programs
• Paid volunteer days
• Wellness and Recognition programs/Platforms