Junior Underwriter, Commercial Lines

Optimum General Insurance; Toronto; Hybrid; CAD 70,000 - 110,000; Full time

Benefits offered by this job

Hybrid work model (3 days in office)

Centrally located offices accessibleby

Competitive compensation package

Strong commitment to work-life balance

Employee-focused culture with higheng

Monthly team-building and social activ

Join a company where your expertise is

Job summary

Optimum Group in Canada is seeking a Commercial Lines Underwriter to handle underwriting of commercial new business, renewals, and endorsements within authority. You will build strong broker relationships, evaluate risk quality, and deliver responsive underwriting solutions.

The role focuses on profitability, compliance, and client service, with a hybrid work model and centralized offices. You will collaborate with teammates to grow and retain profitable portfolios.

Qualifications

• Post-secondary education in business, insurance, risk management, or related field, or equivalent experience.
• CIP designation, or active progress toward completion, is preferred.
• Strong analytical, decision-making, and problem-solving capabilities.
• Knowledge of broker/insurance company relationships and the ability to apply this knowledge to underwriting.

Responsibilities

• Underwrite new business, renewals, and endorsements within authority and service standards.
• Evaluate risk quality, coverage requirements, pricing, terms, and conditions for commercial accounts.
• Develop and maintain effective broker relationships through timely communication and underwriting solutions.
• Contribute to retention and profitable growth through negotiation and disciplined account management.
• Maintain accurate file documentation and ensure regulatory compliance.
• All other related tasks.

Skills

Analytical skills

Decision-making

Problem-solving

Communication

Negotiation

Broker relationships

Attention to detail

Team collaboration

Account management

Education

Post-secondary education in business, insurance, risk management, or related field

CIP designation or progress toward completion

Job description

The Commercial Lines Underwriter is responsible for underwriting commercial new business, renewals, and endorsements within established authority. This role supports profitable portfolio growth by applying sound judgment, maintaining strong broker relationships, and delivering responsive, solutions-oriented service.

Specific responsibilities

• Underwrite new business, renewals, and endorsements within established authority, guidelines, and service standards;
• Evaluate risk quality, coverage requirements, pricing, terms, and conditions for commercial accounts;
• Develop and maintain effective broker relationships through timely communication and practical underwriting solutions;
• Contribute to retention and profitable growth through effective negotiation and disciplined account management;
• Maintain accurate file documentation and ensure compliance with internal processes and regulatory requirements;
• All other related tasks.

Experience/training

• Post-secondary education in business, insurance, risk management, or a related field, or equivalent experience;
• CIP designation, or active progress toward completion, is preferred;
• Strong analytical, decision-making, and problem-solving capabilities;
• Knowledge of broker/insurance company relationships and the ability to apply this knowledge to the underwriting of an account;
• Professional communication, negotiation, and broker relationship management skills;
• Interest in developing knowledge of commercial insurance products, competitors, and market conditions.
• Strong attention to detail, organization, and ability to manage competing priorities;
• Collaborative, accountable, and comfortable working independently within a team environment;
• Account development and analysis skills;
• Comprehensive ability to understand, respond to, and effectively manage broker/customer concerns.

Why Join Optimum?

At Optimum Group, we are proud to be a wholly owned Canadian company with international operations and a people-first culture.

We offer:

• Hybrid work model (3 days in office)
• Centrally located offices accessible by public transit
• Competitive compensation package
• Strong commitment to work-life balance
• Employee-focused culture with high engagement
• Monthly team-building and social activities

Join a company where your expertise is valued, your growth is supported, and your contributions make a real impact.