Intermediate / Senior Underwriter, High Net Worth

Aviva Canada; Markham; Hybrid; CAD 60,000 - 95,000; Full time

Benefits offered by this job

Base salary plus annual bonus

Retirement savings plan

Employee share plan

Health benefits

Personal wellness programs

Volunteer opportunities

Hybrid flexible work model

Career development opportunities

Additional vacation days

Diversity and inclusion programs

Wellness programs

Job summary

Aviva Canada is seeking an Intermediate or Senior Underwriter for High Net Worth property insurance to deliver expert underwriting decisions and strategic broker support. This role emphasizes risk analysis, pricing, and ensuring profitability while maintaining strong client relationships.

Join our hybrid team to balance in-office collaboration with remote flexibility, contributing to the Ovation portfolio and ongoing underwriting excellence.

Qualifications

• Risk assessment, coverage analysis, and pricing decisions.
• Strong underwriting judgment and business-case support.
• Knowledge of competitor products and market appetite is an asset.
• Proven relationship-building, negotiation, and communication skills.
• Analytical and decision-making capabilities; strong organizational skills.
• Experience in hybrid work environments; CIP/CRM/CPRIA designation either completed or in progress.

Responsibilities

• Underwrite and manage High Net Worth risks, balancing customer needs with profitability and risk appetite.
• Analyze risk, pricing, coverage, and supporting documentation to inform decisions.
• Negotiate coverage terms and premiums with underwriting discipline.
• Build and strengthen broker relationships to position Ovation as a preferred market.
• Prepare quotes and manage endorsements, renewals, inspections, and policy changes.
• Review underwriting information including claims histories and driver abstracts.
• Deliver exceptional service with a focus on responsiveness and first-contact resolution.
• Maintain expertise across Ovation products, guidelines, and market trends.
• Leverage data to improve underwriting outcomes and manage priorities in a multi-system environment.

Skills

High Net Worth underwriting

Underwriting experience

Risk assessment

Pricing decisions

Relationship building

Negotiation

Education

CIP

CRM

CPRIA

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.

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

Join our High Net Worth (HNW) underwriting team and help deliver exceptional experiences to brokers and customers while driving profitable growth.

As an Intermediate or Senior Underwriter, you will serve as a trusted underwriting expert, making sound risk decisions, providing strategic guidance to broker partners, and contributing to the continued success of the Ovation portfolio. This is an advanced underwriting role designed for experienced insurance professionals with strong technical expertise, underwriting judgment, business acumen, and relationship management skills. As part of our hybrid work environment, you'll collaborate with colleagues and broker partners while maintaining flexibility and productivity across in-office and remote settings.

What You’ll Do

• Underwrite and manage High Net Worth risks, balancing customer needs with profitability and risk appetite.
• Analyze risk, pricing, coverage, and supporting documentation to make informed underwriting decisions.
• Negotiate coverage terms and premiums while maintaining underwriting discipline.
• Build and strengthen broker relationships to position Ovation as a preferred market and support profitable growth.
• Prepare quotes and manage endorsements, renewals, inspections, and policy changes.
• Review and interpret underwriting information, including claims histories, inspections, and driver abstracts.
• Deliver exceptional service with a focus on responsiveness and first-contact resolution.
• Maintain expertise across Ovation products, underwriting guidelines, and market trends.
• Leverage data, insights, and critical thinking to continuously improve underwriting outcomes.
• Effectively manage priorities in a fast-paced, multi-system environment.

What You’ll Bring

• Intermediate Underwriter: 2+ years of High Net Worth property insurance experience in underwriting or brokerage.
• Senior Underwriter: 5+ years of High Net Worth property insurance experience in underwriting or brokerage.
• Demonstrated expertise in risk assessment, coverage analysis, and pricing decisions.
• Strong underwriting judgment with the ability to develop and support sound business cases.
• Knowledge of competitor products, wordings, and market appetite is an asset.
• Proven relationship-building, negotiation, and communication skills.
• Strong analytical and decision-making capabilities.
• Excellent organizational skills with the ability to manage competing priorities.
• Success working in a hybrid environment, demonstrating accountability, collaboration, and productivity.
• CIP, CRM or CPRIA designation, completed or in progress.
• A continuous learning mindset and commitment to underwriting excellence.

What You’ll Get

• The salary band for this position ranges from $60,000 to $95,000. Please note that individual salary is determined by factors such as job-related knowledge, skills and 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.

This job advertisement is for an existing vacancy which has been posted both internally & externally.

Aviva Canada may use AI (Artificial Intelligence) tools to assist us throughout the recruitment process to screen, assess or select applicants for a position.

Aviva Canada welcomes applications from all qualified individuals and has a process in place to provide accommodations for persons with disabilities at all stages of the hiring process and during employment. If you require an accommodation during the interview or hiring process, please contact your Aviva Talent Acquisition Partner so that an appropriate accommodation can be arranged.