Underwriter I, Personal Lines

Intact Financial Corporation; San Juan de Terranova; Hybrid; CAD 55,000 - 67,000; Full time

Benefits offered by this job

Hybrid work model

5 extra days off

Telemedicine

Wellness account

Employee Share Purchase Plan (ESPP)

Pension plan

Job summary

Intact Financial Corporation is seeking an Underwriter I, Personal Lines, for a full‑time hybrid role. You will assess insurance risks, make decisions on new business and renewals, and collaborate with brokers and team members. The position emphasizes growth in underwriting knowledge and a service‑oriented mindset.

You will work two days per week from one of our offices in St. John’s, NL; Dieppe, NB; or Dartmouth, NS, with a supportive benefits portfolio and opportunities to advance within

Qualifications

• Bachelor's Degree is a strong asset and supports success in this role.
• Previous underwriting experience is an asset and prioritized.
• Phone queue environment experience is an asset.
• Strong desire to build a career in underwriting and continuously develop technical knowledge.

Responsibilities

• Assess and evaluate Personal Lines insurance risks and develop underwriting knowledge.
• Make underwriting decisions on new business, renewals, endorsements and cancellations within authority.
• Review underwriting information to make informed risk decisions.
• Communicate underwriting decisions clearly to brokers via verbal and written means.
• Build strong relationships with brokers and internal partners.
• Balance risk selection, customer experience and profitable growth in solutions.

Skills

Underwriting

Communication

Decision making

Policy interpretation

Education

Bachelor's degree

Job description

Pay at Intact is about much more than just salary.

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.

• 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 positive, high‑performance culture that inspires teams to consistently exceed expectations, embrace accountability, and pursue ambitious outperformance goals while recognizing and celebrating success.
• Strong organization, efficiency, and time‑management skills, with the ability to manage competing priorities.
• A growth and solution mindset, with openness to coaching, feedback and continuous learning.
• Insurance Professional (CIP) designation completed, in progress, or willingness to complete within three years.
• No Canadian work experience required however must be eligible to work in Canada.

#LI-Hybrid

Il s'agit d'un nouveau rôle au sein de notre équipe en pleine croissance | This role is a new member of our growing team.

We are an equal opportunity employer

At Intact, our Value of respect is founded on seeing diversity as a strength. We strive to create an accessible workplace where employees feel valued, included and encouraged to share their unique perspectives.

We encourage applications from individuals who are members of equity‑deserving groups, including but not limited to women, Indigenous peoples, persons with disabilities, Black people, and members of the 2SLGBTQI+ community.

As part of Intact’s commitment to reconciliation, we acknowledge that we work, meet and travel across the land currently called Canada, originally inhabited by First Nations, Metis and Inuit people. This history extends through many centuries and continues to evolve today.

We have policies to ensure equal access and participation for people with disabilities, including providing workplace adjustments (accommodations). A copy of applicable policies is available on request.

If we can provide a specific adjustment to make the recruitment process more accessible for you, please let us know when we reach out about a job opportunity. We’ll work with you to meet your needs.

Please note that Intact does not provide sponsorship or other support for immigration‑related matters including but not limited to employer‑specific closed work permits. Candidates must be eligible to work in Canada from the anticipated start date and throughout their employment and are solely responsible for maintaining their work eligibility.