Underwriter I, Personal Lines

intactfc; Dartmouth; Hybrid; CAD 55,000 - 67,000; Full time

Benefits offered by this job

Hybrid work model

Extra vacation days (up to 5)

Wellbeing benefits

Employee share plan

Job summary

Intact is hiring an Underwriter I, Personal Lines in Canada for a full-time hybrid role. You will work from one of our offices in St.

John's, NL; Dieppe, NB; or Dartmouth, NS two days per week, underwriting Personal Lines, and collaborating with brokers and internal teams to balance risk and client experience. You will assess risks, apply judgment, and grow your underwriting knowledge in a supportive, team-oriented environment.

Qualifications

• Bachelor's Degree is a strong asset.
• Underwriting experience is an asset and prioritized.
• Phone queue experience is considered an asset.
• Strong problem solving and critical thinking.
• Ability to interpret policy wordings and legal documents.

Responsibilities

• Assess and evaluate Personal Lines insurance risks and grow underwriting knowledge.
• Make underwriting decisions on new business, renewals, and endorsements within guidelines.
• Review information from claims history and driver records for risk decisions.
• Communicate decisions clearly to brokers in writing and verbally.
• Collaborate with brokers and internal partners to balance risk and growth.
• Support flexible service channels and assist brokers as volumes change.

Skills

Underwriting

Phone queue experience

Problem solving

Communication

Curiosity

Education

Bachelor's degree

Job description

Our employees are at the heart of everything we do. Together, we help people, businesses, and society prosper in good times and be resilient in bad times.

Our employee promise represents Intact's commitment to you in exchange for living our Values, striving to do your best work, being open to change and investing in your career. In return, we promise to provide support, opportunities and performance-led financial rewards at a workplace where you can shape the future, win as a team and grow with us.

Pay at Intact is about much more than just salary.

• Flexible work arrangements and a hybrid work model
• Possibility to purchase up to 5 extra days off per year
• Multiple benefits offered to support physical and mental wellbeing, including telemedicine, Wellness account and much more
• Share plan & other savings: up to 12% of salary or even more (ask how you could earn guaranteed income for life)
• Salary range (but not limited to): 54,900 - 67,100
• Annual bonus target, based on the base salary, with a potential payout of up to double the target (subject to personal and company performance): 5%
• As part of our commitment to Win As A Team , we share our success with employees through our annual bonus plan and Employee Share Purchase Plan (ESPP) - with Intact matching 50% of your net shares.
• Our pension offerings provide flexibility and long-term security for our employees beyond their careers. We are one of the few companies offering the opportunity to receive guaranteed income for life via our defined benefit pension plan.
• Salary for the candidate will be determined taking into consideration a number of factors including: experience, skills, qualifications, anticipated contribution to role, internal equity, etc. The salary range presented above is based on a 35-hour workweek and would represent a majority of different candidate profiles. However, we encourage candidates who may fall outside of this range to apply as well.

About the role

We're looking for an Underwriter I, Personal Lines, to join our growing team!

This role is a full-time hybrid position that requires two days per week working from one of our offices located in St. John's, NL; Dieppe, NB; or Dartmouth, NS .

If you're looking to grow your underwriting career in a dynamic, collaborative environment, enjoy working with brokers, and bring curiosity, sound judgement, and a solution-focused mindset, we want to hear from you.

What you'll do here:

• Assess and evaluate Personal Lines insurance risks while continuing to develop your underwriting knowledge and judgment.
• Make underwriting decisions on new business, renewals, endorsements and cancellations within your authority, company guidelines, and applicable laws and regulations.
• Review underwriting information, including claims history, driver records, questionnaires, and other reports, to make informed risk decisions.
• Apply critical thinking and a solution-focused approach to underwriting decisions, looking beyond the immediate transaction to understand the overall risk.
• Communicate underwriting decisions and recommendations clearly and confidently to brokers through verbal and written correspondence.
• Build strong, collaborative relationships with brokers and internal business partners.
• Balance risk selection, customer experience, and profitable growth when identifying solutions.
• Work flexibly across different service channels, including participating in a phone queue as required, to support broker needs and changing business volumes.
• Demonstrate curiosity by asking questions, seeking to understand the 'why,' and continuously building technical knowledge.
• Contribute to a collaborative team environment by sharing knowledge and supporting peers.
• Take ownership of your individual development and actively work toward increasing your underwriting knowledge, capability, and authority.
• As your knowledge and experience grow, you may have opportunities to share knowledge with peers and brokers, contribute to training, and participate in broader business and relationship-building activities.

What you bring to the table:

• A Bachelor's Degree will be considered a strong asset and supporting success in this role.
• Previous underwriting experience is an asset, and such candidates will be prioritized.
• Previous experience working in a phone queue environment is considered an asset.
• A strong desire to build a career in underwriting and continuously develop technical knowledge.
• Strong problem-solving and critical-thinking skills, with the ability to assess information and make sound decisions.
• Curiosity and a willingness to ask questions, appropriately challenge assumptions and understand the reasoning behind underwriting decisions.
• Ability to interpret policy wordings and legal documents.
• Strong verbal and written communication skills, with the confidence to explain decisions and recommendations.
• A collaborative, relationship-focused approach when working with brokers, peers, and internal business partners.
• Foster a p