Commercial Lines – Underwriter Trainee – January 2027

Cincinnati Insurance Company; Fairfield (OH); Hybrid; USD 54,000 - 66,000; Full time

Benefits offered by this job

Hybrid work schedule

Annual cash bonus

Stock incentives

Job summary

The Cincinnati Insurance Companies in Fairfield, OH, seek a Commercial Underwriter Trainee to join a structured training program beginning January 19, 2027. You will learn risk evaluation, build relationships with independent agents, and support underwriting decisions.

The role offers a hybrid schedule (four days in office and one remote) with a pay rate of $28.85 per hour, equating to about $60,000 annually after training, plus potential bonus and stock incentives.

Qualifications

• Bachelor’s degree or four or more years of insurance-related work experience and have earned an associate in insurance (AINS) designation.
• Candidates who graduated within the last five years must submit an official or unofficial transcript.

Responsibilities

• Learn underwriting principles, risk assessment, and product knowledge.
• Build relationships with independent agents and collaborate with senior underwriters.
• Analyze information, identify risk exposures, and make underwriting recommendations.
• Evaluate pricing, coverage terms, and policy conditions to support profitable decisions.
• Travel to visit agencies to strengthen relationships and communicate company vision.

Skills

Excellent communication skills

Time management

Relationship building

Team collaboration

Adaptability

Data-driven underwriting

Ability to learn new technology

Education

Bachelor’s degree or equivalent experience

AINS designation

Job description

MAKE A DIFFERENCE Share your talents and develop your skills as you build a career in a professional environment with a personal feel.

Description

Make a difference with a career in insurance

At The Cincinnati Insurance Companies, we put people first and apply the Golden Rule to our daily operations. To put this into action, we’re looking for extraordinary people to join our talented team. Our service-oriented, ethical, knowledgeable, caring associates are the heart of our vision to be the best company serving independent agents. We help protect families and businesses as they work to prevent or recover from a loss. Share your talents to help us reach for continued success as we bring value to the communities we serve and demonstrate thatActions Speak Louder in Person®.

If you’re ready to build productive relationships, collaborate within a diverse team, embrace challenges, and develop your skills, then Cincinnati may be the place for you. We offer career opportunities where you can contribute and grow.

Build your future with us

Our Commercial Lines department is seeking candidates for an underwriter trainee class beginning January 19th, 2027. As a Commercial underwriter trainee, you'll participate in a structured training program designed to develop future underwriting professionals. You'll learn how to evaluate risk, build business relationships, make impactful decisions, and contribute to the success of independent insurance agencies and their clients.
This position is based at our headquarters in Fairfield, Ohio. Candidates outside the local area must be willing to relocate. The team currently follows a hybrid schedule of four in-office days and one remote day per week.

The pay rate for this position is $28.85 hourly. The hourly pay rate will convert to $60,000 annually upon successful completion of training. Eligible associates may also receive an annual cash bonus and stock incentives based on company and individual performance.

Be ready to

• build a strong foundation in Commercial insurance, underwriting principles, and risk assessment
• learn Cincinnati's products, coverages, underwriting philosophy, and appetite for risk
• partner with experienced underwriters and business leaders while developing your underwriting expertise
• manage a defined portfolio of new and renewal business in collaboration with independent insurance agents
• analyze business information, identify risk exposures, and make data-driven underwriting recommendations
• evaluate pricing, coverage terms, and policy conditions to support profitable business decisions
• develop strong relationships with agency partners through exceptional communication and customer service
• collaborate with Sales, Claims, and other business areas to support agency and customer needs
• participate in ongoing training, development opportunities, and special projects that broaden your industry knowledge
• contribute to team goals while building the skills needed for long-term career success
• travel to visit agencies to further strengthen relationships and communicate company vision

Be equipped with

• excellent communication skills and ability to build strong relationships
• strong time management and decision-making skills
• ability to learn and understand new technology
• ability to analyze risks at individual strategic level
• work efficiently while following limits of authority and complying with audit criteria
• ability to seek out creative solutions
• collaborate with team members and management to identify and solve issues
• being adaptable to new ideas and processes
• actively pursues continuing education

Bring education and experience from

• a bachelor’s degree or have four or more years of insurance-related work experience and have earned an associate in insurance (AINS) designation
  • candidates who graduated within the last five years are required to submit an official or unofficial academic transcript as part of their application

Qualified candidates will be hired into the Commercial underwriter trainee program. Assignment to either the Small Business or Middle Market business unit will be finalized and communicated approximately one month prior to the start date. Assignments are determined based on business needs and an assessment of each candidate's qualifications, strengths, and alignment with the respective role.

Enhance your talents

Providing outstanding service and developing strong relationships with our independent agents are hallmarks of our company. Whether you have experience from another carrier or you’re new to the insurance industry, we promote a lifelong learning approach. Cincinnati provides you with the tools and training to be successful and to become a trusted, respected insurance professional – all while enjoying a meaningful career.

Enjoy benefits and amenities

Your commitment to providing strong service, sharing best practices and creating solutions that impact lives is appreciated. To increase the well-being and satisfaction of our associates, we offer a variety of benefits and amenities .

Embrace a diverse team

As a relationship-based organization, we welcome and value a diverse workforce. We grant equal employment opportunity to all qualified persons without regard to race; creed; color; sex, including sexual orientation , gender identity and transgender status ; religion; national origin; age; disability; military service; veteran status; pregnancy; AIDS/HIV or genetic information; or any other basis prohibited by law. All job applicants have rights under Federal Employment Laws. Please review this information to learn more about those rights.