Commercial Lines Underwriter (Small Business)

It’s ok if you don’t meet every requirement. At Grange, we prioritize creating a diverse, equitable and inclusive workplace. If you're enthusiastic about this role but your previous experience only partially matches qualifications in the job description, we still encourage you to apply. We believe in fostering growth and providing opportunities for continuous learning and development of skills as you progress in your career with us.

Summary: This position is responsible for achieving profitable underwriting results in support of growth and profit objectives by appropriate risk selection, agency relations, book management, and self-development.

What You’ll Be Doing:

• Selects profitable risks by identifying and analyzing risk exposures against coverage desired.
• Manages and underwrites book of business to maintain profitable results, by identifying changes in risk exposures or characteristics, changes in loss trends as measured by loss ratio, loss frequency or other measures.
• Monitors new business production, renewal and policy retention trends, and agency production and loss ratio results within assigned territory to ensure objectives are met and if necessary, develop appropriate corrective action alternatives to meet overall company objectives.
• Develops effective relationships with agents and other internal and external customers through effective communication, cooperation and periodic agency visits.
• Drives new business sales growth for Commercial Lines.
• Develops and maintains full knowledge of all policy forms, coverages, rating plans and manuals for all property and casualty lines written.
• Assists as needed in the training, mentoring and development of new or less experienced underwriting personnel.
• Manages assigned work to meet or exceed time and quality service standards.
• Reviews referrals within the referral guidelines and individual underwriting authority.
• Maintains appropriate underwriting documentation on the system or in writing as required.
• Agency Management - executes agency management routines to develop a profitable book of business with each agency: Develops and manages New Business pipeline to ensure a steady stream of business opportunities; analyze quality, volume, mix of business and profit for assigned producers; identify trends in submission activity and work to meet production targets as established; execute actions to achieve policy retention and pricing objectives; participate in agency review process; support Sales Relationship Manager/Territory Sales Manager in conducting sales, product, and process training for agencies and their staff.
• Responsible for agency travel to increase producer awareness of Enterprise underwriting appetites, philosophy and product offerings maximizing time with the right agencies.
• Embraces a culture of Continuous Improvement (CI) and actively identifies opportunities for improvement to increase efficiency and decrease waste, aiding in expense reductions for Commercial Lines.
• Exhibits the company’s core values of integrity, candor, ownership, working together and doing the right thing.
• Places reinsurance and assists less experienced underwriters in obtaining reinsurance quotes.
• Assists with audits for individuals, team, and department.
  
  

What You’ll Bring To The Company:

Bachelor’s degree and/or insurance related coursework strongly desired. Over one-year commercial multiple lines underwriting experience or completion of the Underwriting Training program or comparable experience within the property and casualty insurance industry required. Must possess excellent communication, time management, decision making, and PC skills. Ability to complete multiple tasks within set deadlines, be detail oriented, and have a willingness to participate in industry related continuing education and/or training (CPCU, INS, AU, AIS, CIC, etc.) needed. Outstanding negotiation skills, including the ability to deal with conflict and handle difficult situations as well as to provide a high level of customer service are a must. Travel as necessary (up to 10%) for agency visitations, agency meetings, seminars, etc.

About Us:

Grange Insurance Company, with $3.2 billion in assets and more than $1.5 billion in annual revenue, is an insurance provider founded in 1935 and based in Columbus, Ohio. Through its network of independent agents, Grange offers auto, home and business insurance protection. Grange Insurance Company and its affiliates serve policyholders in Georgia, Illinois, Indiana, Iowa, Kentucky, Michigan, Minnesota, Ohio, Pennsylvania, South Carolina, Tennessee, Virginia, and Wisconsin and holds an A.M. Best rating of "A" (Excellent).

Grange understands that life requires flexibility. We promote geographical diversity, allowing hybrid and remote options and flexibility in work hours (role dependent). In addition to competitive traditional benefits, Grange has also created unique benefits based on employee feedback, including a cultural appreciation holiday, family formation benefits, compassionate care leave, and expanded categories of bereavement leave.

Who We Are:

We are committed to an inclusive work environment that welcomes and values diversity, equity and inclusion. We hire great talent from various backgrounds, and our associates are our biggest strength. We seek individuals that represent the diversity of our communities, including those of all abilities. A diverse workforce's collective ideas, opinions and creativity are necessary to deliver the innovative solutions and service our agency partners and customers need. Our core values: Be One Team, Deliver Excellence, Communicate Openly, Do the Right Thing, and Solve Creatively for Tomorrow.

Our Associate Resource Groups help us create a more diverse and inclusive mindset and workplace. They also offer professional and personal growth opportunities. These voluntary groups are open to all associates and have formed to celebrate similarities of ethnicity/race, nationality, generation, gender identity, and sexual orientation and include Multicultural Professional Network, Pride Partnership & Allies, Women's Group, and Young Professionals.

Our Diversity, Equity and Inclusion Council, created in 2016, is focused on professional development, networking, business value and community outreach, all of which encourage and facilitate an environment that fosters learning, innovation, and growth. Together, we use our individual experiences to learn from one another and grow as professionals and as people. 

We are committed to maintaining a discrimination-free workplace in all aspects, terms and conditions of employment and welcome the unique contributions that you bring from education, opinions, culture, beliefs, race, color, religion, age, sex, national origin, handicap, disability, sexual orientation, gender identity or expression, ancestry, pregnancy, veteran status, and citizenship.

Grange Enterprise is proud to be part of the CEO Action for Diversity and Inclusion™, a national initiative of more than 1400 CEOs working for the advancement of diversity and inclusion within the workplace.