Senior Property & Casualty Underwriter

Full Time : Toronto Ontario

Onsite: Monday to Friday.

$95-$115k

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Job Overview:

We are seeking an experienced and dynamic Underwriter to join our team, specializing in package policies within the Property and Casualty (P&C) middle market space. The successful candidate will be responsible for evaluating, underwriting, and managing new and renewal business for a portfolio of commercial clients. This role requires a deep understanding of risk assessment, policy coverage, and market trends in the Canadian insurance landscape.

Key Responsibilities:

• Underwrite and manage package policy submissions for middle-market property and casualty clients, ensuring alignment with underwriting guidelines, risk appetite, and company objectives.

• Evaluate client risk exposures, review property and liability coverages, and assess the overall risk profile of commercial accounts.

• Develop and maintain relationships with brokers, agents, and clients to ensure the delivery of high-quality insurance solutions and exceptional customer service.

• Analyze financial data, loss history, and risk characteristics to determine appropriate pricing and terms for policies.

• Collaborate with internal teams (e.g., claims, risk management, and legal) to provide comprehensive insurance solutions and resolve any client or policy-related issues.

• Review and negotiate policy terms, conditions, and endorsements in line with underwriting authority.

• Monitor and manage a portfolio of accounts, including assessing renewals, endorsements, and policy adjustments.

• Stay updated on industry trends, regulatory changes, and emerging risks in the property and casualty market.

• Provide support and guidance to junior underwriters and assist in the development of underwriting strategies.

• Ensure compliance with regulatory requirements and company policies while maintaining a high level of professionalism in all underwriting practices.

Qualifications:

• Bachelor's degree in Business, Finance, Risk Management, or a related field (or equivalent experience).

• A minimum of 3-5 years of underwriting experience in the Property and Casualty insurance market, with a focus on middle-market package policies.

• Strong understanding of insurance products, risk assessment, pricing strategies, and policy language.

• Knowledge of Canadian insurance regulations and market conditions.

• Excellent communication and negotiation skills, with the ability to build and maintain strong relationships with brokers, clients, and colleagues.

• Ability to work independently and make sound underwriting decisions within established guidelines.

• Proficiency in Microsoft Office Suite and underwriting software (e.g., PolicyCenter, Guidewire, etc.).

• Professional designation (CIP, FCIP, etc.) is an asset.