Underwriter I (Commercial Property)

Saskatchewan Government Insurance; Winnipeg; On-site; CAD 65,000 - 82,000; Full time

Job summary

Saskatchewan Government Insurance in Winnipeg is seeking an Underwriter I to assess and rate moderately complex Commercial Auto, Commercial Property or Farm risks. The role emphasizes broker collaboration, timely decisions, and adherence to underwriting guidelines.

Hybrid work is available after probation; on-site work is required during probation. We value client focus, continuous learning, and a strong sense of accountability, with a pay range of $64,901 to $81,900 CAD and a supportive culture

Qualifications

• A two-year diploma from a recognized post-secondary institution in a relevant field such as Business.
• 1–3 years of underwriting experience.
• Ability to evaluate risk, apply guidelines, and make timely decisions.

Responsibilities

• Underwrite moderately complex insurance risks for Commercial Auto, Commercial Property or Farm.
• Research and obtain information on risk and determine acceptability within authority.
• Develop and maintain broker relationships to generate profitable business.
• Provide guidance and reviews for junior staff and trainees.
• Explain underwriting criteria and decisions to brokers and colleagues.
• Contribute to process improvements and respond to market conditions.

Skills

Underwriting

Broker relationships

Risk assessment

Customer focus

Education

Diploma in Business Administration

Job description

Do you value integrity and innovation? How about passion and caring? Great! Us too, and that's why you'll fit right in. Our intentional culture promotes trust and participation, encouraging you to bring your heart and mind to work every day.

In Scope Permanent, Full-Time. Location: This position is located in Winnipeg. The role is eligible for hybrid work – this means you’ll have the flexibility of working from home and in the office on a scheduled rotation once probation requirements have been met. Until then, the successful incumbent will be expected to work on-site, full-time. Pay Range: $64,901 - $81,900. Closes: October 14, 2026.

General Accountability

The Underwriter I (Commercial Auto, Commercial Property or Farm) is responsible for underwriting moderately complex insurance risks. This position evaluates, rates, and processes insurance requests for Commercial Auto, Commercial Property or Farm insurance products. Underwriting decisions are governed by manuals/guidelines, predetermined procedures, and authority levels. The Underwriter I is customer-focused and looks for ways to improve the customer experience. The Underwriter I develops and maintains relationships with brokers which contributes to lasting and profitable relationships. The Underwriter I provides work review and approval to staff in junior positions.

Key Accountabilities

• Underwriting Operations Reviews and evaluates quotes, new applications, renewals, revisions, and cancellations to determine risk acceptability within current underwriting authority.
• Researches and obtains additional information on risk if required.
• Makes timely decisions while considering risk territory, underwriting guidelines and market conditions.
• Meets target service levels with respect to product, transactions, phone calls and emails.
• Determines if risk is acceptable, needs modification, or should be declined based on analysis of all information pertinent to the risk and within the underwriter's authority.
• Calculates premiums, ensuring that appropriate rates are used, and that application discounts and surcharges are applied.
• Provides terms to brokers as to the conditions, limitations, rates, and premiums to apply.
• Corresponds with brokers to request information and explain underwriting requirements and decisions.
• Supports, provides direction, and reviews and approves the work of staff in junior positions (including trainees).
• Learns & applies understanding of the policy wordings, conditions, limitations, rates, and premiums with a strong focus on customer needs.
• Develops a basic understanding of existing and emerging industry trends and market conditions.
• Identifies improvements to processes and procedures.

Broker Experience and Relationship Management

Acts as the brokers first point of contact and sees requests through to completion; becomes a trusted advisor for brokers. Develops and maintains working relationships with brokers to generate a flow of profitable business and provides assistance in resolving any service matters. Identifies opportunities to improve broker experience and seeks to find solutions while adhering to the company guidelines and underwriting authority. Explains underwriting criteria and decisions to brokers. Works with other departments to deliver a consistent experience to brokers and customers. Assists with training to staff, brokers, and external parties on products and procedures. May be required to conduct formal presentations. Understands the underwriting operating system, workflows and process, broker portal and billing. Promotes and offers supporting products to brokers with an emphasis on meeting customer needs.

High Performance Team & Culture

• Supports a culture of leadership and accountability to effectively meet the key accountabilities within the scope of the role.
• Displays leadership by committing to a culture of continuous learning/development of self and supports others by actively sharing knowledge, providing guidance, mentoring, training, and supporting developmental opportunities.
• Demonstrates that the Health, Safety and Emergency Management Policy is applied in area of responsibility for self and others.
• Actively applies knowledge to support transformation and strategic initiatives of the corporation, while participating and advocating change and applying a growth mindset.
• Actively applies knowledge to support transformation and strategic initiatives.

Technical Knowledge & Skills

Knowledge of operations and related assets of appropriate business area (Commercial Auto, Commercial Property or Farm). Knowledge of the coverages of insurance products and related provincial/federal legislation applicable to the appropriate business area (Commercial Auto, Commercial Property or Farm). Knowledge of the Principles & Practices of Insurance Knowledge and skill of the rating procedures, the interpretation and application of established criteria and/or procedures to determine appropriate premiums, coverages, and deductibles for insurance products related to the appropriate business area (Commercial Auto, Commercial Property, Farm). Knowledge of reinsurance principles.

Education & Certifications

A two-year diploma from an accredited post‑secondary education institution in a relevant field of study, such as Business, or defined equivalency.

Experience

1 – 3 years’ experience in underwriting.

Behavioural Competencies Leader Level 2 – Applies (Self & Others)

• Accountability – Goes Beyond Basic Expectations to Implement Customer/Partner Focused Solutions
• Business Acumen – Applies Business Fundamentals and Thinks in Future‑Oriented Terms
• Change Agility – Is Nimble; Shifts Gears Quickly and Comfortably
• Leadership – Leads Self and Others

SGI Culture

At SGI, we are committed to a workplace where people feel respected, valued, and able to contribute fully. Through fair, consistent, and transparent people practices, we attract skilled talent with varied lived experiences and offer meaningful work, opportunities for growth, and a strong sense of belonging. Our commitment to reconciliation includes inclusive hiring practices that create meaningful opportunities for Indigenous peoples and support a workforce reflective of the communities we serve. Join us in building a culture where contributions are valued and shared success is shaped by our people. If you require an accommodation during the recruitment process, we invite you to submit your accommodation request to [e-mail] and we will work through your request with you. All information received will be kept confidential. Pay Range:$64,901.00 - $81,900.00 Posting Close Date: October 14, 2026.

SGI has offered affordable insurance products and great service to our customers since 1945. SGI has 2 distinct operations — the Saskatchewan Auto Fund and SGI CANADA. The Auto Fund is Saskatchewan’s compulsory auto insurance program, operating the driver licensing and vehicle registration system. SGI CANADA is the property and casualty insurance division which offers products in Saskatchewan, British Columbia, Alberta, Manitoba and Ontario through a network independent insurance brokerages. SGI and SGI CANADA are Crown corporations, owned by the Government of Saskatchewan. Our culture is one of personal accountability, where all of us are empowered to be leaders. We encourage a growth mindset that sees change as an opportunity to learn, innovate and continuously improve. We value respectful collaboration and open communication where your voice is welcome and appreciated. Each of us has a role in SGI and SGI CANADA’s success and we acknowledge everyone’s contributions. We care about each other. We treat one another with kindness and celebrate each person’s uniqueness so we can all be our authentic selves at work. That’s because diversity, equity and inclusion are foundational to our culture and who we are. Different backgrounds and perspectives make for a vibrant and creative community where innovation flourishes. We offer more than a paycheque (although we do provide competitive pay!). Everyone at SGI and SGI CANADA enjoys great benefits, perks and options to balance work and everything else life sends their way. We also believe in you and your future career aspirations. Regardless of where you start, SGI and SGI CANADA will invest in you by supporting education, accreditation and professional development.