Underwriter Trainee

About the Role

The Cincinnati Insurance Companies is seeking candidates for an underwriter trainee class in the Commercial Lines department beginning January 19th, 2027. This position is based at the headquarters in Fairfield, Ohio, and candidates outside the local area must be willing to relocate.

Training Program Overview

Participate in a structured training program designed to develop future underwriting professionals. Learn to evaluate risk, build business relationships, make impactful decisions, and contribute to the success of independent insurance agencies and their clients.

Key Responsibilities

• Build a strong foundation in Commercial insurance, underwriting principles, and risk assessment.
• Learn company products, coverages, underwriting philosophy, and appetite for risk.
• Partner with experienced underwriters and business leaders while developing underwriting expertise.
• Manage a defined portfolio of new and renewal business in collaboration with independent insurance agents.
• Analyze business information, identify risk exposures, and make data-driven underwriting recommendations.
• Evaluate pricing, coverage terms, and policy conditions to support profitable business decisions.
• Develop strong relationships with agency partners through exceptional communication and customer service.
• Collaborate with Sales, Claims, and other business areas to support agency and customer needs.
• Participate in ongoing training, development opportunities, and special projects to broaden industry knowledge.
• Contribute to team goals while building skills for long-term career success.
• Travel to visit agencies to strengthen relationships and communicate company vision.

Requirements & Tech Stack

• Excellent communication skills and ability to build strong relationships.
• Strong time management and decision-making skills.
• Ability to learn and understand new technology.
• Ability to analyze risks at an individual strategic level.
• Work efficiently while following limits of authority and complying with audit criteria.
• Ability to seek out creative solutions.
• Collaborate with team members and management to identify and solve issues.
• Adaptability to new ideas and processes.
• Actively pursues continuing education.

Qualifications

• A bachelor’s degree or four or more years of insurance-related work experience and have earned an Associate in Insurance (AINS) designation.
• Candidates who graduated within the last five years are required to submit an official or unofficial academic transcript.

Compensation & Schedule

• Hourly pay rate: $28.85.
• Annual salary upon successful completion of training: $60,000.
• Eligible associates may receive an annual cash bonus and stock incentives.
• Hybrid schedule: Four in-office days and one remote day per week.

Role Assignment

Assignment to either the Small Business or Middle Market business unit will be finalized approximately one month prior to the start date, based on business needs and candidate assessment.