Senior Personal Lines Underwriter

Heartland Farm Mutual Inc.; Kitchener; On-site; CAD 56,000 - 84,000; Full time

Job summary

Heartland Farm Mutual Inc. is seeking a Senior Personal Lines Underwriter to own the underwriting of renewals, endorsements, and new business, applying analytical judgment to assess risk and ensure alignment with Heartland’s risk appetite and strategic goals.

You will negotiate with brokers, identify trends, and order inspections to inform decisions. The role emphasizes training, stakeholder relationship building, and staying compliant with governance and regulatory policies, with the

Qualifications

• Have more than 6 years of experience in the insurance industry.
• Post-secondary education and CIP designation.
• Exemplary analytical skills and the ability to make informed decisions.
• Skilled communicator who can adapt approach to audience.
• Ability to influence decisions and negotiate strategically.
• Enthusiastic learner who thrives in a team or independently.
• Strong written and verbal communication and interpersonal skills.
• Proven decision-making and analytical skills with ability to grow business profitability through risk assessment.

Responsibilities

• Underwrite and negotiate high risk/complexity renewals, policy endorsements and new business.
• Identify positive and negative trends in submissions and communicate findings to management.
• Negotiate terms and conditions of risk acceptance with brokers in writing, by telephone, email or in person.
• Order inspections or other underwriting information for analysis of critical risk hazards.
• Use underwriting knowledge to recommend rate structure/pricing changes and underwriting or claims improvement.
• Develop and maintain strong stakeholder relationships through accountability and decision making.
• Build professional networks at Heartland and industry events.
• Ensure corporate governance and regulatory compliance policies and procedures.
• Participate in training and development initiatives.
• Use policy wordings to assist staff and distributors with risk analysis and sales.
• Provide guidance and training to staff where underwriting authority requires referral to higher levels to ensure compliance.

Skills

Analytical skills

Communication

Negotiation

Decision making

Teamwork

Education

Post-secondary education

CIP designation

Job description

Senior Personal Lines Underwriter

This role takes ownership of the investigative, analytical, and mathematical evaluation of insurance risks. By assessing customer information and applying sound analytical judgment, the Underwriter determines whether a risk profile is acceptable for the organization. This role is critical in ensuring that coverage decisions align with Heartland’s risk appetite and strategic goals, supporting sustainable growth and customer satisfaction.

What you'll do...

• Underwrite and negotiate high risk/complexity renewals, policy endorsements and new business.
• Identify positive and negative trends in submissions being received and communicate findings to management.
• Negotiate the terms and conditions of risk acceptance with brokers in writing, by telephone, electronic mail or in person.
• Order inspections, or other underwriting information for use in the analysis of critical risk hazards and decision making.
• Uses underwriting knowledge to make recommendations for rate structure/pricing changes and underwriting or claims improvement.
• Develop and maintain strong stakeholder relationships through personal accountability and high-quality decision making.
• Build your professional networks – both at Heartland and industry events.
• Ensure corporate governance and regulatory compliance policies and procedures.
• Participate in, or provide training and development initiatives.
• Uses full knowledge of policy wordings to assist other staff and distributors with risk analysis, recommendation of missing coverage, and generation of additional product line sales.
• Provides guidance and training to other staff where underwriting authorities require referral to higher levels to ensure compliance and minimize company exposure.

What you'll bring...

• Have more than 6 years of experience in the insurance industry.
• Post-secondary education, CIP designation.
• You have exemplary analytical skills and can make informed decisions.
• You are a skilled communicator who can adapt your approach to your audience.
• You can influence decisions and negotiate strategically.
• You are an enthusiastic learning who thrives within a team or independently.
• Effective communication and interpersonal skills, both written and verbal.
• You have proven decision-making and analytical skills, including the ability to determine how to grow business profitability through assessment and analysis of individual risks.

The salary range for this role is $56,000 - $84,000. The salary for the successful candidate will be determined by various factors including but not limited to an individual’s relevant experience, knowledge, skills, along with internal equity, and market considerations.