Underwriter (Personal Auto)

Saskatchewan Government Insurance; Toronto; On-site; CAD 55,000 - 69,000; Full time

Benefits offered by this job

Benefits package

Professional development

Flexible work options

Job summary

SGI CANADA is seeking an underwriting assistant in Toronto West, offering a hybrid work arrangement and a pay range of CAD 55,371 to CAD 69,175. The role involves reviewing applications, processing policies, negotiating with brokers, and supporting a high performing underwriting team.

The ideal candidate has a two-year diploma in Business or related field and 1–2 years underwriting experience, with knowledge of insurance products and reinsurance principles.

Qualifications

• Two-year diploma in Business or a related field.
• One to two years of underwriting experience.
• Knowledge of the principles and practice of insurance, underwriting policies and procedures.
• Ability to negotiate rates and terms with brokers.

Responsibilities

• Policy Processing: handle new/renewal applications, revisions, cancellations and quotes with simple to moderate complexity.
• Underwriting: assess risk and decide on acceptance with conditions as needed.
• Sales and Negotiation: negotiate conditions or rates with brokers to balance business needs.
• Broker Relationships: explain underwriting criteria and maintain broker relationships for profitable business.
• Training and Mentoring (Underwriting Assistant): provide guidance on underwriting policies and procedures.
• Leadership: contribute to a high performing workforce and support succession planning.

Skills

Underwriting

Policy processing

Negotiation

Broker relationships

Leadership

Education

Two-year diploma in Business or related field

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.

Out of scope Permanent, Full time Work Location: Toronto West, Hybrid Pay Range: $55,371- $69,175 Posting Closing Date: Oct 1, 2026

General Accountability

The successful candidate will be responsible for reviewing, evaluating and determining insurability for routine and minimally complex new and renewal applications for Coachman Insurance Company personal auto (non-standard) insurance products. You will also examine the nature and degree of risk involved, negotiate conditions, rates and premiums with brokers and process insurance policies.

Key Accountabilities

Policy Processing

• Process new/renewal applications, revisions, cancellations and quotes with a mix of processing simple new business and servicing existing policies.
• Calculate premiums, ensuring that appropriate rates are used, and that applicable discounts and surcharges are applied.
• Ensure that product and customer service levels are maintained.

Insurance Underwriting

• Review and evaluate routine and minimally complex new/renewal applications to determine the nature and degree of risk involved
• Acquire further information on applications (and the risks involved) when necessary.
• Determine whether to accept or reject the risk or accept the risk subject to certain conditions.
• Place business within the rules and restrictions of reinsurance guidelines.
• Identify and recommend improvements to insurance products and/or systems.

Sales and Negotiation

• Negotiate conditions or limitations with brokers on polices to balance business needs and underwriting guidelines.
• Negotiate rates and premiums with brokers to balance business needs and underwriting guidelines.
• Promote and sell supporting products to brokers.

Broker Relationships

• Explain underwriting criteria and decisions to brokers (verbally and/or in writing).
• Develop and maintain working relationships with brokers to generate a flow of profitable business and provides assistance in resolving any service matters.

Training and Mentoring (Underwriting Assistant)

• Provide training on underwriting policies, procedures and guidelines.
• Give guidance on conditions and rates when required.

Leadership

• Actively contribute to and support a culture of a high performing workforce.
• Participate in divisional succession plans, ensuring ongoing professional and career development and supports development in others.
• Support a culture of leadership and accountability to effectively deliver on strategic and corporate strategies.
• Actively committed to leadership development across the company, supporting team and workforce readiness through mentoring, training and developmental opportunities.

Corporate Management

• Enable the success of programs and policies that are in alignment with corporate, strategic and divisional strategies.
• Manage risk in area of authority.
• Ensure that the Health, Safety and Emergency Management Policy is applied in area of responsibility.

Education & Experience

A two-year diploma from an accredited post-secondary education institution in a relevant field of study such as Business. One to two experience in underwriting. Knowledge, Skills and Abilities Knowledge of the principles and practice of insurance, underwriting policies and procedures, and applicable insurance products. Knowledge of premiums, coverages, and deductibles for applicable insurance products. Knowledge of reinsurance principles. Knowledge of the applicable regulatory environment.

Behavioral 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

At SGI CANADA, 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:$55,371.00 - $69,175.00 Posting Close Date: October 1, 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.