Commercial Lines Underwriter P&C – Middle Market

Aviva Canada; Markham; Hybrid; CAD 60,000 - 80,000; Full time

Benefits offered by this job

Hybrid flexible work model

Base salary $60,000–$80,000 CAD

Annual bonus potential

Health benefits

Retirement savings

Employee wellness programs

Volunteer opportunities

Job summary

Aviva Canada is seeking an experienced Intermediate/Senior Commercial Lines Underwriter to join our Commercial Insurance team. You will underwrite, grow, and manage a profitable portfolio of mid-market to large Property & Casualty accounts with premiums typically above $25,000.

The role emphasizes broker relationships, risk assessment, and collaboration with underwriting and risk control teams. Hybrid flexible work model and strong development opportunities are provided.

Qualifications

• Experience underwriting mid-market to large Property & Casualty accounts.
• Proven ability to grow and manage a profitable portfolio.
• Strong broker relationship management and client service.

Responsibilities

• Underwrite, price, and negotiate new business and renewals.
• Manage a portfolio of mid-market to large accounts with profitability targets.
• Assess exposures using financial analysis and loss history.
• Collaborate with risk control and other underwriting teams.
• Mentor junior underwriters in the senior track.

Skills

Commercial underwriting

Broker relationships

Portfolio management

Risk assessment

Communication

Education

Post-secondary degree (Business/Finance/Insurance)

Job description

Experience Aviva

Individually we are people, but together we are Aviva. Individually these are just words, but together they are our Values – Care, Commitment, Community, and Confidence.

At Aviva Canada, we put people first, our employees, our customers, and our communities. We’re proud of a culture built on care, inclusion, and collaboration, where your voice matters and your growth is supported. We’re not just about insurance; we’re about making a real difference by protecting what matters most.

The Opportunity

We are seeking an experienced and results-driven Intermediate/Senior Commercial Lines Underwriter to join our Commercial Insurance team. In this role, you will be responsible for underwriting, growing, and managing a profitable portfolio of mid-market to large commercial Property & Casualty accounts, typically with premiums exceeding $25,000.

The successful candidate will bring strong technical underwriting expertise, sound business judgment, and a passion for delivering exceptional broker service. You will play a key role in building and maintaining trusted broker relationships while identifying profitable growth opportunities and ensuring long-term portfolio performance.

What you’ll do

Underwriting & Portfolio Management

• Evaluate, select, price, and negotiate new business, renewals, and policy changes within delegated underwriting authority.
• Manage a portfolio of mid-market and large commercial Property & Casualty accounts, ensuring profitability and sustainable growth.
• Assess risk exposures through financial analysis, loss history reviews, industry trends, and other relevant underwriting information.
• Structure and negotiate appropriate coverage, terms, and pricing while balancing risk selection and business objectives.
• Monitor portfolio performance and implement corrective actions where required to achieve underwriting profitability targets.

Broker Relationship Management

• Develop and maintain strong partnerships with assigned broker partners through consistent communication, responsiveness, and service excellence.
• Serve as a trusted advisor by providing underwriting expertise and market insights to brokers.
• Collaborate with brokers to identify and capitalize on new business opportunities while strengthening retention and portfolio growth.

Market Intelligence & Risk Assessment

• Maintain a strong understanding of market conditions, competitive trends, emerging risks, and pricing dynamics within your region.
• Utilize risk management, loss control, and exposure analysis tools to support sound underwriting decisions.
• Stay informed of industry developments and regulatory changes that may impact underwriting practices and portfolio results.

Collaboration & Leadership

• Work collaboratively with Auto underwriting, Claims, Risk Control, and other internal teams to deliver comprehensive underwriting solutions.
• Contribute to business initiatives, process improvements, and underwriting best practices.
• For Senior-level candidates, provide mentorship and technical guidance to junior underwriting team members.

What you’ll bring

• Minimum 5 years of Commercial Property & Casualty underwriting experience, preferably with mid-market and large commercial accounts.
• Proven success in managing and growing a profitable commercial insurance portfolio, including both new business and renewals.
• Strong understanding of commercial underwriting principles, risk assessment methodologies, coverage analysis, and pricing strategies.
• Demonstrated ability to exercise sound judgment and make quality underwriting decisions within delegated authority levels.
• Excellent sales, marketing, negotiation, and relationship-management skills.
• Proven ability to collaborate effectively across underwriting teams and business units.
• Exceptional communication and customer service skills with a broker-focused mindset.
• Highly organized, self-motivated, and capable of managing multiple priorities in a fast-paced environment.
• Ability to work independently while contributing positively to team objectives.

Education & Professional Designations

• Completion of a post-secondary degree or diploma in Business, Finance, Insurance, or a related field is considered an asset.
• CIP designation completed or actively pursuing designation; advanced industry designations such as FCIP or CRM are considered assets.

What Success Looks Like

• Consistently delivers profitable underwriting results.
• Builds and strengthens broker relationships through exceptional service and responsiveness.
• Demonstrates strong risk selection and portfolio management capabilities.
• Contributes to team success through collaboration, knowledge sharing, and continuous improvement.
• Identifies opportunities to expand business while maintaining underwriting discipline.

What you’ll get

• The salary band for this position ranges from $60,000 to $80,000 Please note that individual salary is determined by factors such as job-related knowledge, skills, experience, as well as internal equity.
• Compelling rewards package including base compensation, eligibility for annual bonus, retirement savings, share plan, health benefits, personal wellness, and volunteer opportunities.
• Hybrid flexible work model.
• Outstanding career development opportunities.
• We’ll support your professional development education.
• Competitive vacation package with the option to purchase 5 extra days off per year.
• Employee-driven programs focused on gender, LGBTQ+, origins, diversity, and inclusion.
• Corporate wellness programs to support our employees’ physical and mental health.

Please note that we may use AI tools to help us through the recruitment process. This is a new position which has been posted externally & internally.

Aviva Canada has an accommodation process in place to provide accommodations for employees with disabilities. If upon commencement of employment you require a specific accommodation because of a disability, please contact your Talent Acquisition Partner so that an appropriate accommodation can be arranged. This process applies throughout your career with Aviva Canada.