Commercial Underwriter

EMC Insurance Companies is committed to making an impact through teamwork and collaboration. The Commercial Underwriter role involves maintaining a profitable book of business, analyzing risks, and developing agency relationships to ensure excellent customer experiences. Responsibilities Maintains and grows a profitable book of business for assigned middle market territory adhering to underwriting authority. Evaluates accounts for risk selection and pricing purposes Analyzes exposure, company and region risk appetite, account premium and loss history, financial data, line(s) of business, price guidance, motor vehicle records, online sources of information, reports from Premium Audit or Loss Control and other relevant information to underwrite policies. Offers appropriate coverage, terms and conditions for exposures Develops and fosters agency relationships. Educates agents on EMC products, underwriting appetite, systems, and services Visits agencies to discuss accounts and provide agents with updates at EMC. Collaborates with marketing representatives to ensure agents receive excellent customer experiences, responsiveness, and select EMC as their insurer of choice Effectively communicates risk acceptance and/or rejection decisions to agents Collaborates with experienced underwriters to continue to develop understanding of company and regional risk appetite. Consults experienced underwriters to ask questions and gain understanding in underwriting best practices Participates in the agency planning and review processes with marketing and regional management. Monitors progress of assigned agents and guides agents in achieving annual goals Skills Bachelor's degree, preferably in insurance or business administration, or equivalent relevant experience One year of experience in commercial lines underwriting or related experience Strong analytical, decision-making, and negotiating skills Strong problem-solving skills and the ability to make sound decisions Strong customer service skills Ability to work effectively with others, as well as independently Ability to maintain high standards of professional competence Strong computer skills, including knowledge of Microsoft Office and social media Ability to work on multiple projects while meeting deadlines Strong written and verbal communication skills Occasional travel; a valid driver's license with an acceptable motor vehicle report per company standards required if driving Insurance designations, such as AINS, AU, CIC, or CPCU preferred Company Overview EMC Insurance is a top insurer based on net written premium, and we have more than 2,200 employees. It was founded in 1911, and is headquartered in Des Moines, Iowa, USA, with a workforce of 1001-5000 employees. Its website is