Commercial Lines Underwriter

About the Role

Auto-Owners Insurance is seeking a motivated underwriting trainee to join our team. This role involves applying insurance coverage, rules, and guidelines to make underwriting decisions according to the company's philosophy. The position includes training and development through the company's underwriter training program. A merit-based work-from-home program is available after initial in-person training, with flexibility determined by the leadership team.

Key Responsibilities

• Learn various insurance coverages, contracts, company philosophy, and procedures to make underwriting decisions.
• Read, interpret, and react to documents such as policies, manuals, forms, and endorsements.
• Assemble information, develop opinions, and clearly express decisions using sound reasoning and judgment.
• Analyze loss experience, financial conditions, and physical characteristics of risks.
• Acquire a working knowledge of supporting sections of the underwriting department.
• Effectively communicate with independent agents and other associates verbally and/or in writing.
• Participate in and successfully complete the company underwriter training program.

Requirements & Tech Stack

• Bachelor’s degree or direct equivalent experience with property/casualty underwriting.
• Ability to organize data, multi-task, and make decisions independently.
• Above average communication skills (written and verbal).
• Ability to write reports and compose correspondence.
• Ability to resolve complex issues.
• Continual development of product knowledge through participation in approved educational programs.

Compensation

• Base salary range: $68,000–$88,000.
• Starting salary determined by relevant experience, education, qualifications, and other job-related factors.
• Several bonus opportunities.

Benefits

• Friendly work environment.
• Structured training program.
• Employee mentoring.
• Matched 401(k).
• Fully funded pension plan (once vested).
• Medical, prescription, dental, and vision insurance.
• Associate, spouse, and child life insurance.
• Short-term and long-term disability insurance.
• Health care and dependent care flexible spending accounts.
• Generous paid time off (holidays, vacation days, personal time, sick leave, parental leave).
• Adoption assistance.
• Discounts on personal insurance.
• Education matching gift program.
• Gym membership and fitness class reimbursement program.