Executive Commercial Lines Underwriter

Utica National Insurance Group; North Carolina; Hybrid; USD 90,000 - 154,000; Full time

Benefits offered by this job

Medical and Prescription Drug Benefit

Life Insurance and Disability Benefits

401(k) Profit Sharing and Investment

Health Savings Account (HSA)

Flexible Spending Accounts

Tuition Assistance, Training, and Pro

Company-Paid Family Leave

Adoption/Surrogacy Assistance Benefit

Voluntary Benefits - Group Accident, P

Student Loan Refinancing Services

Business Travel Accident Insurance

Matching Gifts program

Employee Referral Award Program

Wellness programs

Personal Insurance Discount

Job summary

Utica National Insurance Group seeks an Executive Commercial Lines Underwriter in Charlotte to manage a middle-market portfolio, partner with agencies, and make complex underwriting decisions impacting profitability.

The role emphasizes relationship-driven underwriting, broader authority, and collaboration with agents to grow profitable business while managing risk. This is a full-time opportunity in a growing Charlotte operation.

Qualifications

• Strong knowledge of General Liability
• Strong knowledge of Workers Compensation
• Strong knowledge of Commercial Property
• Strong knowledge of Commercial Auto

Responsibilities

• Analyze and underwrite complex new and renewal commercial lines accounts.
• Evaluate risks across GL, WC, property, auto, and package lines.
• Manage a high-volume agency portfolio with increased authority.
• Collaborate with independent agents to provide solutions while maintaining profitability.
• Review applications, loss histories, and financial data to determine risk.
• Communicate underwriting appetite and pricing decisions to partners.
• Participate in agency reviews and growth strategies.
• Build relationships with agency partners through responsive service.
• Monitor marketplace trends and emerging risks to support decisions.

Skills

Underwriting

Portfolio management

Agency relations

Commercial lines

Risk assessment

Job description

At Utica National, underwriting is more than evaluating risk. It’s about building strong agency partnerships, making informed business decisions, and helping drive profitable growth.

We're seeking an experienced Executive Commercial Lines Underwriter to join our growing Charlotte operation. In this role, you'll manage a portfolio of middle market commercial business, partner closely with our agency network, and make complex underwriting decisions that directly impact portfolio performance and company profitability.

You’ll have the opportunity to work with a diverse range of commercial accounts while helping shape agency strategy, improve underwriting results, and identify opportunities for profitable growth.

If you're a relationship-focused underwriting professional who enjoys balancing technical expertise with business development, we'd love to hear from you.

What You’ll Do

Analyze and underwrite complex new and renewal commercial lines accounts within established authority levels.

Evaluate risks across a broad range of commercial exposures, including:

• General Liability
• Workers Compensation
• Commercial Property
• Commercial Auto
• Commercial Package

Manage a high-volume agency portfolio with increased underwriting authority and decision-making responsibility.

Partner with independent agents to provide creative solutions while maintaining underwriting discipline and profitability.

Review applications, loss history, financial information, inspection reports, and other underwriting data to determine risk acceptability.

Communicate underwriting appetite, coverage solutions, pricing decisions, and declinations effectively to agency partners and internal stakeholders.

Participate in agency reviews and collaborate on production and loss ratio improvement strategies.

Build strong relationships with agency partners by providing responsive service, technical expertise, and consultative support.

Monitor marketplace trends, competitor activity, and emerging risks to support sound underwriting decisions.

Serve as a trusted underwriting advisor who helps agencies grow profitable business while protecting the long-term interests of the organization.

What Makes You Successful

We're looking for an underwriter who combines technical expertise with strong relationship management and business acumen.

You may be a great fit if you have:

Strong knowledge of:

• General Liability
• Workers Compensation
• Commercial Property
• Commercial Auto

Demonstrated success driving profitable portfolio performance and agency growth.

Ability to evaluate risk beyond the individual account and assess broader portfolio impact.

Ability to work effectively both independently and collaboratively in a fast-paced environment.

Why Utica National?

For more than 100 years, Utica National has been known for underwriting excellence, financial strength, and strong agency partnerships. As we continue expanding our presence in Charlotte, we're investing in talented underwriting professionals who want to make a meaningful impact while growing their careers.

When you join our team, you'll find:

• A collaborative underwriting culture
• Opportunities to work on complex middle market risks
• A growing Charlotte operation with significant long-term investment

Compensation

$90,000 - $154,000

$73,500 - $111,000

$57,000 - $90,000

Candidates may be considered for the Executive, Senior, or Commercial Lines Underwriter level based on their experience, technical expertise, and overall qualifications.

This position is eligible for participation in the Company's Variable Compensation Bonus Plan.

Final compensation is determined based on experience, geographic location, education, professional certifications, scope of responsibilities, and overall qualifications.

We believe strongly that talented people are core to our success and are attracted to companies that provide competitive pay, comprehensive benefits packages, career advancement and challenging work opportunities. We offer a Comprehensive Benefits Plan for full time employees that include the following:

• Medical and Prescription Drug Benefit
• Life Insurance and Disability Benefits
• 401(k) Profit Sharing and Investment Plan(Includes annual Company financial contribution and discretionary Profit Sharing contribution based upon annual company financial results)
• Health Savings Account (HSA)
• Flexible Spending Accounts
• Tuition Assistance, Training, and Professional Designations
• Company-Paid Family Leave
• Adoption/Surrogacy Assistance Benefit
• Voluntary Benefits - Group Accident Insurance, Hospital Indemnity, Critical Illness, Legal, ID Theft Protection, Pet Insurance
• Student Loan Refinancing Services
• Business Travel Accident Insurance
• Matching Gifts program
• Employee Referral Award Program
• Wellness programs
• Personal Insurance Discount

Additional Information:

This position is a full time salaried, exempt (non overtime eligible) position.

Utica National is an Equal Opportunity Employer.

Equal Opportunity Employer
This employer is required to notify all applicants of their rights pursuant to federal employment laws.For further information, please review the Know Your Rights notice from the Department of Labor.