Senior Underwriter - Construction (Remote First)

Zensurance; Toronto; Hybrid; CAD 80,000 - 100,000; Full time

Job summary

A leading InsurTech company in Toronto is seeking a Senior Underwriter specializing in construction. You will manage underwriting for construction risks, meet targets, and mentor team members. Ideal candidates have at least 5-7 years of underwriting experience in construction. Join a fast-growing team and benefit from a flexible, supportive work environment.

Benefits

Remote-first setup for added flexibility

Home office allowance

Flexible health and dental plans

Education assistance reimbursement

Virtual & in-person team-building events

Qualifications

• 5-7 years of experience specializing in construction and/or P&H risks.
• Experience underwriting heat application roofing and commercial snow removal risks is an asset.
• Track record of achieving premium and bind ratio targets.

Responsibilities

• Underwrite and manage a book focused on construction risks.
• Meet premium and bind ratio targets while maintaining disciplined underwriting.
• Collaborate with leadership to shape growth and profitability strategy.

Skills

Commercial underwriting experience

Ability to build relationships

Collaboration skills

Education

CIP, CRM or FCIP

Job description

About Us: Zensurance is redefining commercial insurance for Canadian businesses.

As a leading InsurTech, we make getting the right coverage simple, fast, and accessible through a digital-first experience. Our platform combines advanced technology with deep industry expertise to deliver tailored insurance solutions that help businesses thrive.

Zensurance has been recognized for its rapid growth and industry impact:

• ✅ Deloitte’s Technology Fast 50 (2023, 2024)
• ✅ Deloitte’s Technology Fast 500 (2024)
• ✅ Top Insurance Employers (2022)

At Zensurance, we value ownership, collaboration, and innovation. Our team thrives on solving complex challenges, challenging the status quo, and making a real impact in an industry ready for change.

If you're looking to build something meaningful in a fast-growing, customer-focused company, we’d love to hear from you!

Senior Underwriter - Construction

Reporting to our Operational Underwriting team, you'll collaborate closely with various stakeholders, including brokers, portfolio underwriters, and our insurance analytics team, to enhance our insurance offerings at Zensurance.

Your primary responsibilities will involve managing broker referrals and collaborating on diverse initiatives crucial to the overall success of this portfolio. You'll directly influence the development and competitiveness of our insurance products through your valuable insights on appetite and pricing. Furthermore, you'll have the opportunity to mentor and guide fellow team members, sharing your expertise and fostering their professional growth.

Responsibilities

• Underwrite and manage a book with a focus on construction risks.
• Meet premium and bind ratio targets while maintaining a disciplined underwriting approach.
• Contribute to operational efficiency, ensuring streamlined processes and data-driven decision-making.
• Collaborate with leadership to shape the growth and profitability strategy for the new program.
• Provide input on pricing strategy to ensure market competitiveness.
• Collaborate on underwriting guidelines, wordings, endorsements, extensions, and exclusions based on appetite expansions, customer demand, and evolving offerings in the marketplace.
• Develop and strengthen relationships with Zensurance brokers, acting as a trusted partner in the marketplace.
• Other duties as assigned.

Qualifications

• 5-7 years of commercial underwriting experience specializing in construction and/or P&H risks.
• Experience underwriting heat application roofing and commercial snow removal risks is an asset.
• CIP, CRM or FCIP is an asset.
• Experience working with an MGA or program specific division of an Insurance Company.
• Track record of achieving premium and bind ratio targets.
• Ability to build relationships both with markets and brokers.
• Ability to utilize collaboration skills while taking ownership of projects.

Benefits & Perks at Zensurance

At Zensurance, we know that when our people thrive, so does our business. That’s why we offer a flexible, people-first work environment designed to support your well-being, growth, and success.

💻 Work Your Way

• Remote-first setup for added flexibility
• Home office allowance to create a comfortable workspace
• Top-tier tech: "Office in a box" with all necessary tech equipment
• Half days before public holidays: Enjoy half days before long weekends

❤️ Your Health, Your Way

• Flexible health and dental plans for families, including mental health support
• Health & personal spending accounts to invest in wellness your way
• Parental leave top-up, because family comes first

🚀 Investing in Your Growth

• Education assistance reimbursement for courses, conferences, books, and memberships
• Opportunities to learn from industry experts and grow your career

🤝 Staying Connected

• Weekly Friday huddles to share updates and connect across teams
• Virtual & in-person team-building events to strengthen our culture

We’re building something special. Come be a part of it!

Who We Are

Business is hard work, but insurance doesn’t have to be!

We empower business owners with simple, tech-driven insurance solutions through our online platform.

Our success is fueled by our team-oriented culture and four core values:

• DELIVER –We set ambitious goals and achieve them.
• INCLUDE–We foster an open and safe space for all.
• INTEGRITY–We do what’s right.
• INVENT–We create straightforward, innovative solutions.

AI Tools and Your Interview

We know AI is a valuable tool, and you're welcome to use it to prepare for your interview. However, please don't use AI assistants during the live interview itself. We want to have an authentic conversation with you, and using AI during the interview could affect our evaluation of your suitability for the role.

Just so you know, we use an AI scribe to help us take notes and review interviews, ensuring a fair and clear process.

Diversity & Inclusion

Zensurance celebrates diversity and is committed to creating an inclusive environment. We welcome applications from all backgrounds and provide accommodations throughout the hiring process. If you need support, let us know, we’re here to help.

Thank You!

We review every application with care to find the best fit for our team.

While we may take a little time to get back to you due to the high volume of applications we receive, know that a real human (not a bot!) is reviewing yours. We appreciate your patience and can't wait to learn more about you!