Senior Underwriter, Personal Lines - Property and Casualty

Senior Underwriter, Auto Lines Property and Casualty
Canada

Job Description
Posted Friday, January 30, 2026 at 8:00 AM | Expires Saturday, February 21, 2026 at 7:59 AM

About Portage Mutual:
Where Your Talent Makes a Difference

Imagine a workplace where your contributions are not only valued but also directly impact the lives of Canadians. At Portage Mutual Insurance, we’re more than just a trusted national property and casualty insurer—we’re a community of passionate individuals dedicated to serving our policyholders since 1884. Owned by our policyholders, we proudly offer competitive home, auto, commercial, and farm insurance products 100% through our broker network across Canada.

Join a company rooted in tradition, driven by innovation, and powered by a people-first culture.

Why Portage Mutual?

At Portage Mutual, we believe that our people are our greatest asset. Here, you’ll find:

Total Rewards :
We care about your well-being and financial security. That’s why we offer a competitive salary, incentive plan, comprehensive health benefits, a pension plan and generous paid time off, including personal days.

Career Growth & Development :
Propel your career forward with access to diverse learning resources, tuition reimbursement for relevant programs, and bonuses recognizing your achievements in pursuing insurance designations.

Flexibility :
We support work-life integration by offering a flexible environment where you can choose to live wherever you prefer in Canada. Enjoy the freedom to select remote, in-office, and hybrid work arrangements that best suit your lifestyle.

Inclusivity and Belonging :
Be a part of a supportive and diverse team that embraces your unique perspective and empowers you to succeed. We’re dedicated to creating a workplace where every employee feels welcomed, valued and respected.

Making a Difference :
Find purpose in your career by aligning with an organization that shares your values and is committed to making a difference in the communities we serve.

Headline:  Elevate Your Career as a Senior Auto Lines Property and Casualty Underwriter at Portage Mutual Insurance!

The Opportunity:

As a Senior Underwriter, you’ll play a crucial role in supporting our underwriting team by:

Evaluating and underwriting complex, high-value property and casualty insurance risks in line with company guidelines and risk appetite.

Conducting strategic risk assessments and leveraging market research to inform underwriting decisions.

Building and maintaining strong relationships with brokers and internal stakeholders to support business development.

Mentoring junior underwriters and providing expert guidance to support team capability and consistency.

Representing the company at industry events and ensuring underwriting practices stay aligned with evolving regulations and market trends.

We're looking for a detail-oriented, enthusiastic team player who embodies our company values and is committed to providing top-notch service.

What You’ll Do:

Evaluate and underwrite new and existing business, renewals and endorsements, focusing on complex and high-value property and casualty insurance risks.

Uphold the quality and profitability of the program’s portfolio by adhering to underwriting standards and referring risks beyond delegated authority to supervisory levels.

Work in partnership with other departments to identify key trends and provide strategic recommendations. Aim to achieve positive outcomes for clients, brokers, and the company.

Demonstrate our commitment to effective risk management by following up on outstanding recommendations and ensuring their implementation.

Analyze large loss events, provide detailed reports, and discuss remediation strategies to mitigate future risks.

Conduct comprehensive reviews and audits to ensure adherence to company standards and regulatory requirements.

Engage in market research to identify emerging trends, enabling the development of innovative product offerings.

Identify potential issues in loss ratios and risk trends. Implement effective strategies to address anomalies and ensure portfolio stability.

Guide and support junior underwriters, enhancing their technical expertise and decision-making capabilities.

Effectively communicate and clarify underwriting business rules and guidelines to brokers, ensuring a shared understanding and adherence to established standards.

Address inquiries and provide prompt, clear responses to brokers through both verbal and written channels, facilitating effective and efficient communication.

Deliver a superior broker experience characterized by confidence, responsibility, and professionalism, reinforcing the company's reputation for excellence in the industry.

Stay current with industry trends, emerging developments, and regulatory changes to ensure underwriting practices remain compliant and competitive.

Act

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