Commercial Underwriter

Summary

Join Zensurance's growing underwriting team and contribute to the sustainable growth of our commercial insurance business. You will play a key role in evaluating and binding policies, working closely with brokers and internal teams. This role requires strong analytical and communication skills, along with experience in commercial underwriting. You will leverage data insights to make data-driven recommendations and maintain data integrity. Zensurance offers a flexible, remote-first work environment with various benefits, including health and dental plans, parental leave top-up, and education assistance.

Requirements

• University degree or college diploma in a recognized technical, vocational or academic program or equivalent work experience
• Minimum 3 years of commercial underwriting experience
• In-depth knowledge of Commercial wording and pricing
• Advanced MS Office Suite, including Word, PowerPoint and Excel
• Proficiency with Google Workspace, Zoom and Slack, or similar office tools
• Proficiency with Adobe and Salesforce
• Exceptional problem-solving and analytical skills
• Able to communicate effectively with stakeholders, both verbally and written
• Able to collaborate with team members and take the lead in group settings
• Ability to maintain confidentiality and exercise discretion

Responsibilities

• Own referral underwriting of multiple lines of business, including commercial property, general liability and specialty lines
• Work closely with the broking team to provide quotes, guidance and place risks within our in-house facilities
• Partner with the Insurance Analytics team to review Zensurance’s binding authority programs
• Have access to program data in real-time to understand current performance and make data-driven recommendations in terms of expanding authority
• Negotiate with partner insurers on terms and conditions that fall outside our authority
• Proactively identify cause-and-effect relationships and explore alternative solutions to support sound decision-making
• Maintain data integrity to support the underwriting processes and help the team's objectives
• Adhere to underwriting standards and good practices to minimize risk
• Ensure full understanding of in-house program underwriting requirements, including endorsements and limits
• Assist in auditing in-house policies for adherence to our underwriting guidelines
• Own referral underwriting of multiple lines of business, including professional lines and medical malpractice
• Assist with wording comparisons across different insurance companies
• Partner with Senior Underwriters, Underwriting Specialists and the Director of Underwriting in the process of evaluating new program opportunities, creating the desired underwriting guidelines, and comparing current coverage offerings in the market
• Keep up to date with industry trends to deliver excellence in underwriting and continuously build expertise
• Where appropriate, escalate difficult or complex items and customer complaints or inquiries to Senior Underwriters or the Director of Underwriting
• Perform other duties as assigned

Preferred Qualifications

Working towards or completion of CIP/ CAIB/ CRM courses would be considered an asset

Benefits

• Remote-first setup for added flexibility
• Home office allowance to create a comfortable workspace
• Top-tier tech: "Office in a box" with all necessary tech equipment
• Half days before public holidays: Enjoy half days before long weekends
• Flexible health and dental plans for families, including mental health support
• Health & personal spending accounts to invest in wellness your way
• Parental leave top-up, because family comes first
• Education assistance reimbursement for courses, conferences, books, and memberships
• Opportunities to learn from industry experts and grow your career
• Weekly Friday huddles to share updates and connect across teams
• Virtual & in-person team-building events to strengthen our culture