Small CL Field Underwriter

Posted Wednesday, July 8, 2026 at 4:00 AM

For more than 170 years, The Hanover has been committed to delivering on our promises and being there when it matters the most. We live our values every day, demonstrating we CARE through our values, Sustainability initiatives and inclusive corporate culture.

Our Small Commercial Underwriting department is currently seeking a New Business Underwriter to join our team.

This is a full time, exempt role. This role is eligible for a hybrid or fully remote arrangement.

Field Underwriters are responsible for driving the growth of Small CL business by underwriting new business across all lines and sizes of POS and Non-POS accounts, within Small CL definition, and building and maintaining strong agency relationships, partnering with Agency staff and SCSMs. The Field UW should work closely with and direct the activities of their UT partner(s), following established workflows, to ensure all policies are underwritten in the most efficient and effective manner while meeting service standards and performance goals, up through first renewal.

• Lead the daily triage of new business with UT, including POS business.
• Assess submissions, categorize, and direct UT on next steps to be taken based on assessment and categorization.
• Provide direction and guidance to UT to properly prepare a new business account including Quick Declines and how to communicate with Agent (ex. Declination letter or phone call)
• Collect additional information needed for underwriting analysis.
• Interact with the agency to gather needed information in an organized manner.
• Order and analyze necessary reports to perform underwriting analysis.
• Provide accurate instructions to rating.
• Prepare and deliver quote proposals to agents. Also, follow up with agents on open quotes.
• Document underwriting decisions within standards and expectations in Underwriting systems, including ARF and CAAMS.
• Ensure all submissions are effectively managed to reach decline or quoting status.
• Determine the pricing, coverages, including coverage advantages to highlight in the quoting process, account rounding opportunity, and identify cross-sell opportunity for Specialty businesses on accounts being quoted.
• Refer accounts as appropriate if additional authority is required.
• Own all aspects of the New Business underwriting process including acceptability and documentation at inception as well as subsequent validation through other sources including Loss Control.
• Underwriter is responsible for reviewing and responding to back-end underwriting reviews and new business audits. After these steps, the account responsibility falls to the Portfolio underwriter, although consultation between Field and Portfolio Underwriter is expected as required.
• Clearly communicate appetite, declination reasons and coverage advantages to Agents to improve hit ratio.
• Leverage relationships with Agents and SCSMS to identify opportunities to help write business.
• Communicate proactively with agents to convey a sense of ownership and service during all interactions; instill confidence with agents in their decision to place new business with The Hanover.
• Engage in agency travel as needed to build and maintain strong relationships.
• Partner with internal colleagues, mainly SCSMs, UTs and Renewal UW colleagues, to most effectively communicate difficult messages with agent partners and on overall agency management.

• New Business production (approx. $2 Million annually)
• UW profitability based on quality of referrals, quality of audits/ file reviews, and achievement of mix goals
• Service metrics, aligned with workflows
• Agency relationships – as measured by agency feedback
• Hit and Yield ratios
• LOB and class mix targets

• Strong underwriting skill and coverage knowledge; ability to make underwriting decisions on POS and CPP accounts up to $50,000 premium size
• Underwriting systems knowledge to document and underwrite accounts within workflow expectations
• Ability to manage workload to meet goals and service standards, while following workflow standards
• Thorough understanding of Agent partners, including agency…