Commercial Auto Underwriting Specialist

Gore Mutual Insurance; Cambridge, Toronto; Hybrid; CAD 81,000 - 131,000; Full time

Benefits offered by this job

Extended health and dental benefits

Disability insurance

Retirement plan matching

Paid time off

Job summary

Gore Mutual Insurance, a growing mutual insurer, seeks a Commercial Auto Underwriting Specialist to ensure underwriting integrity across the Auto portfolio. You will mentor underwriters, lead audits, and help update manuals and guidelines.

Hybrid in Cambridge or Toronto, with base salary 81,000–131,000 CAD and a discretionary bonus program based on performance. Knowledge of IRCA, Fleet & Garage auto lines is required.

Qualifications

• Post secondary education required; CIP designation required.
• FCIP or CRM is an asset; mobilizes underwriting expertise.
• 10+ years of Commercial Auto underwriting experience.
• Proficiency in IRCA, Fleet and Garage auto lines.
• Experience auditing and delivering audit results.
• Experience delivering technical underwriting training.
• Deep understanding of auto regulations and products.

Responsibilities

• Underwrite Commercial Auto with integrity across the portfolio.
• Lead IRCA Quality program for brokers and underwriters.
• Support updates to underwriting manuals and guidelines.
• Conduct Technical File Reviews and Focused audits of underwriters.
• Mentor underwriters; coach on areas for improvement.
• Identify trends from audits and drive corrective actions.
• Develop training content and ensure delivery.
• Maintain Commercial Auto underwriting guidelines and wordings.

Skills

Strategic focus

Agility

Critical Judgement and Decision Making

Effective Communication

Business Acumen

Underwriting Risk & Compliance

Underwriting Process and Pricing

Knowledge of Insurance Products

Education

Post Secondary Education

CIP designation required

FCIP / CRM an asset

Job description

At Gore Mutual, we’ve always set ourselves apart as a modern mutual that does good. Now, we’re proudly building on that legacy to transform our company—and our industry—for the better.

Effective January 1, 2026, Gore has joined Beneva—the country’s largest mutual insurance company as part of its Property & Casualty operations in Ontario and Western Canada. During 2026, Gore will combine its operations with Unica Insurance, Beneva’s Ontario-based subsidiary specializing in niche commercial and personal insurance, creating a stronger, more diversified mutual insurer with greater scale and long-term stability.

Every decision and investment remains anchored in long-term benefits to customers, members, and communities. Come join us.

TheCommercialAutoUnderwriting Specialist- Autois responsible forthe underwriting integrity of the Auto portfolio.They are a technical lead forAutounderwriters and are responsible forunderwriting referrals, providing training specific to Fleet & Garage underwriting, mentoring underwriters and the maintenance and updates of the Commercial wordings and guidelines.

What you will do:

• The Commercial Auto Specialist will be a key contributor in the IRCA Quality program for brokers, and underwriters, including the creation of TFR questionnaires, file selection processes, reporting format
• They will support the review and updates of existing underwriting manuals, process documents and authorities so that it aligns to the new IRCA Quality program.
• The Commercial Auto Specialist is responsible for the Technical File Reviews (TFR’s) and Focused audits (QAR’s) of the IRCA & Fleet underwriters including selection of files for audit, delivering results and coaching on areas improvement in conjunction with the Underwriting Excellence Manager.
• Collects trends from all audits and engages the appropriate business areas to develop solutions to close gaps in underwriting rules, training, guidelines and processing instructions.
• The Commercial Auto Specialist will support training and mentoring of the IRCA & Fleet underwriters on technical underwriting knowledge. This includes formal training as well as individual mentorships.
• The Commercial Auto Specialist will support the determination of training needs, developing training content and ensuring the training is delivered consistently.
• The Commercial Auto Specialist will contribute to the maintenance of the Commercial Auto underwriting guidelines. They will propose updates and additions as needed using audits and training as input.
• The Commercial Auto Specialist may assist in interpretation of Auto wordings as necessary to support Claims and Underwriting departments.
• Will assist the Manager, Underwriting Excellence with the annual Commercial Auto Underwriting Authority cascade, including recommending changes based on results of TFR’s.
• Will support the investigation and response to any Ombudsman complaints.
• Will support the Product and Pricing teams, as necessary, on any IRCA FSRA filings
• Support internal and external audit requests and implementation of any resultant actions

What you will need to succeed:

• Post Secondary Education
• CIP designation is required, FCIP, CRM is an asset
• 10+ years CommercialAutounderwriting experience
• Underwritingproficiencyin IRCA, Fleet and Garage Auto lines of business
• Experience in auditing and delivering audit results
• Experience in delivering technical underwriting training
• Deep understanding of auto regulations and products
• Experience of policy systems and standard operating processes

Required Skills:

• Strategic focus
• Agility
• Critical Judgement and Decision Making
• Effective Communication
• Business Acumen
• Understanding of Underwriting Risk & Compliance
• Underwriting Process and Pricing
• Knowledge of Insurance Products

Location: Cambridge or Toronto- This is a hybrid work model and requires the individual to work in office on Tuesday’s and Thursday’s.

The expected base salary range for this position is $81,000.00 - $131,000.00. Depending on your relevant experience, skills, qualifications, market conditions and business needs, base compensation may vary. You have the potential to earn more through Gore Mutual’s discretionary bonus program which gives you an opportunity to increase your total compensation, provided the business meets its performance targets and you meet your individual goals.

Please note: This range reflects the expected base salary for this role but may not represent the full compensation range for all experience and skill levels. During the recruitment process, we will discuss and consider how your unique qualifications align with the broader range for this position.

Gore Mutual is proud to offer a comprehensive total rewards package which includes extended health and dental benefits, disability insurance, retirement plan matching, paid time off, recognition and perk programs.

This posting pertains to an existing vacancy that is actively being filled.

Accessibility for applicants

Gore Mutual Insurance Company is committed to providing accommodations for people with disabilities during all phases of the recruiting process, including the application process.

If you require accommodation because of a disability, we will work with you to meet your needs. Contact us and a human resources representative will consult with you to determine an appropriate accommodation.

Should you request an accommodation during the interview process, please notify your Talent Acquisition Consultant.