Associate Underwriter - Commercial & Agri-Business

Rural Mutual Insurance Company; Madison (WI); Hybrid; USD 54,000 - 56,000; Full time

Benefits offered by this job

Health insurance

Dental insurance

Vision insurance

401(k) match

Generous time off

Career growth

Job summary

Rural Mutual Insurance Company seeks an Associate Underwriter - Commercial and Agri-Business to develop underwriting knowledge, analyze risk, and support a profitable portfolio. The hybrid role requires Wisconsin residency with US work eligibility.

You will learn commercial and farm coverages, collaborate with underwriters and agents, and progressively take on pricing and coverage decisions as you grow. We offer competitive compensation, health/dental/vision insurance, a 401(k) with match,

Qualifications

• Analytical thinking and risk assessment skills.
• Strong documentation and organizational skills.
• Clear written and verbal communication, with agents and partners.
• Ability to work independently and also in a team.

Responsibilities

• Learn commercial and agricultural underwriting principles and coverage forms.
• Collaborate with underwriters, customer service staff, claims professionals, agents, and internal partners.
• Service and underwrite renewal business with guidance.
• Analyze account coverages, profitability, exposures, and policy changes.
• Assist with reviewing pricing, terms, conditions, and underwriting requirements.
• Coordinate renewal changes and required documentation.
• Respond to underwriting questions and referrals from various teams.
• Gather information to support underwriting decisions.

Skills

Analytical thinking

Attention to detail

Documentation

Communication skills

Relationship building

Time management

Independence and teamwork

Learning orientation

Education

Bachelor’s degree in risk management or related field

Job description

Are you looking for a professional career where you can develop analytical, financial, and risk assessment skills while helping Wisconsin businesses succeed?

Rural Mutual Insurance Company is seeking an Associate Underwriter - Commercial and Agri-Business to join our team. In this role, you will develop your underwriting knowledge and analytical skills by learning commercial and farm insurance coverages, evaluating risk, and working alongside experienced underwriters and internal business partners. As your knowledge grows, you will take on greater responsibility for evaluating risk, reviewing pricing and coverage, and supporting a profitable commercial and agricultural portfolio.

This opportunity is well suited for someone who is analytical, organized, customer-focused, and motivated to grow within underwriting or insurance operations.

This is a hybrid position; candidates must live and work in Wisconsin and have eligibility to work in the United States without sponsorship. At Rural Mutual, we are dedicated to fostering a supportive and collaborative work environment. We offer a comprehensive compensation package, including health, dental, and vision insurance, a matching 401(k), and generous time off. Our commitment to career growth is unwavering, and we take pride in our A+ AM Best financial strength rating, earning a spot on Ward’s Top 50 Property & Casualty insurance companies in the United States, and recognition as a Madison Magazine Best Place to Work. Rural Mutual is an Equal Opportunity Employer.

Compensation

$54,000 - $56,000 yearly

Qualifications

• Bachelor’s degree in risk management, insurance, business administration, agri-business, or a related field; two to four years of relevant experience; or an equivalent combination of education and experience
• Ability to analyze information, identify issues, and make timely, well-supported decisions
• Strong attention to detail and accurate documentation skills
• Clear and professional written and verbal communication skills
• Ability to build productive relationships with agents, customers, and internal partners
• Ability to organize and prioritize multiple responsibilities in a fast-paced environment
• Demonstrated accountability, integrity, initiative, and willingness to learn
• Ability to work independently and collaboratively as part of a team
• Ability to learn new systems, insurance concepts, coverage forms, and underwriting tools
• Insurance, customer service, agriculture, office, or administrative experience preferred but not required
• Coursework toward CPCU or another insurance industry designation preferred but not required

Responsibilities

• Learn commercial and agricultural underwriting principles, coverage forms, workflows, and risk evaluation techniques
• Collaborate with underwriters, customer service staff, claims professionals, agents, and other internal partners
• Service and underwrite assigned renewal business with guidance
• Analyze account coverages, classifications, profitability, exposures, and policy changes
• Assist with reviewing pricing, terms, conditions, and underwriting requirements
• Coordinate renewal changes, audits, unilateral letters, and other required documentation
• Respond to underwriting questions and referrals from agents, Customer Service, and Claims
• Communicate with agents, policyholders, and internal team members to gather information and support underwriting decisions
• Process assigned policy change requests accurately and efficiently
• Complete follow-up activities, documentation, and quality-control tasks
• Support improvements to underwriting processes, documentation, and workflows
• Follow company policies, procedures, regulatory requirements, and assigned Letter of Authority
• Perform other duties as assigned to support departmental and organizational goals