Large Accounts Underwriter

EMC Insurance; Rhode Island; Hybrid; USD 100,000 - 152,000; Full time

Job summary

EMC Insurance is seeking a Large Accounts Underwriter to manage a defined territory and drive profitable growth by evaluating complex commercial risks and developing tailored coverage solutions.

You will partner with agents, negotiate terms, and serve as a trusted resource on EMC's Large Accounts capabilities, influencing portfolio performance, growth, and long-term underwriting success. This remote role supports RI/PA residents.

Qualifications

• Bachelor’s degree in insurance or business, or equivalent experience.
• Five years of commercial underwriting experience.
• Experience with large accounts ($500K+ premium) and complex risk.
• CPCU designation preferred.

Responsibilities

• Manage a profitable Large Accounts portfolio within assigned authority.
• Evaluate complex multi-line accounts for pricing and coverage.
• Apply underwriting guidelines using loss history, financial data, risk control reports, and pricing tools.
• Maintain underwriting documentation for compliance.
• Negotiate underwriting terms, conditions, and pricing for Large Account business.
• Build relationships with brokers and agents to drive growth.
• Educate agency partners on EMC's Large Accounts appetite and systems.
• Conduct agency visits to discuss opportunities, account performance, and market updates.
• Partner with leadership on agency strategy and business development initiatives.
• Collaborate with sales, marketing, and leadership to optimize portfolio performance.
• Monitor market trends, competitive activity, and industry developments.

Skills

Underwriting knowledge

Risk analysis

Communication skills

Presentation skills

Customer service

Microsoft Office

Team collaboration

Education

Bachelor's degree

CPCU designation preferred

Tools

Microsoft Office

Job description

At EMC, we’re all about working together to make an impact. As part of our team, you’ll have the opportunity to grow, contribute, and gain experience that matters. We strive to be caring leaders, close partners, and responsive experts—always supporting each other to do our best work. Join us, and let’s improve lives together.

This position can be performed remotely for candidates who reside in RI or PA

As a Large Accounts Underwriter, you'll manage a defined territory and drive profitable growth by evaluating complex commercial risks, developing tailored coverage solutions, and making strategic underwriting decisions. You'll partner closely with agents and brokers, build strong market relationships, and serve as a trusted resource on EMC's Large Accounts capabilities. Your insights and expertise will directly influence portfolio performance, business growth, and long-term underwriting success.

Essential Functions

• Manage and grow a profitable Large Accounts portfolio within assigned underwriting authority and territory.
• Evaluate complex multi-line accounts to determine pricing, coverage structures, and risk selection.
• Apply underwriting guidelines using loss history, financial data, risk control reports, and pricing tools.
• Maintain accurate underwriting documentation to support sound decisions and regulatory compliance.
• Negotiate underwriting terms, conditions, and pricing for Large Account business.
• Build and strengthen relationships with brokers and agents to drive growth and retention.
• Educate agency partners on EMC's Large Accounts appetite, capabilities, systems, and services.
• Conduct agency visits to discuss opportunities, account performance, and market updates.
• Partner with regional leadership on agency strategy, planning, and business development initiatives.
• Serve as a Large Accounts subject matter resource for internal business partners.
• Collaborate with sales, marketing, and leadership to optimize agency and portfolio performance.
• Monitor market trends, competitive activity, and industry developments to inform underwriting and growth strategies.
• Occasional travel; a valid driver’s license with an acceptable motor vehicle report per company standards required if traveling.

Education & Experience

• Bachelor’s degree, preferably in insurance or business administration, or equivalent relevant experience.
• Five years of commercial underwriting experience or related experience.
• Prior experience working with large accounts, including $500K+ premium accounts, loss-sensitive programs, and complex risk profiles, strongly preferred.
• Insurance designations, such as CPCU, preferred.

Knowledge, Skills, & Abilities

• Excellent knowledge of underwriting and risk analysis.
• Excellent knowledge of at least two lines of business.
• Strong written and verbal communication skills, including presentation skills and account analysis documentation skills.
• Strong problem-solving skills and the ability to make sound decisions.
• Strong customer service skills.
• Strong computer skills, including knowledge of Microsoft Office and social media.
• Ability to work on multiple projects while meeting deadlines.
• Excellent written and verbal communication skills, including the ability to speak effectively before groups.
• Strong presentation skills.
• Ability to work effectively with others, as well as independently.

The hiring salary range for this position will vary based on geographic location, falling within either of the following: $100,085 - $138,285 or $110,624 - $152,122. A hiring range represents a subset of the full salary range. The actual salary will depend on several factors, including relevant education, skills, and experience of an applicant, geographic location, and business needs.

Our employment practices are in accordance with the laws that prohibit discrimination due to race, color, creed, sex, sexual orientation, gender identity, genetic information, religion, age, national origin or ancestry, physical or mental disability, medical condition, veteran status, active military status, citizenship status, marital status or any other consideration made unlawful by federal, state, or local laws.

All of our locations are tobacco free including in company vehicles.

For information relating to the benefits EMC Team Members receive as part of a comprehensive rewards package, please visit www.emcins.com/careers.

Why should you choose to apply for a position at EMC?

• More than 105 years of financial strength and stability.
• Named a five-star insurance carrier by Insurance Business America.
• Two-time recipient of the Best Practices Award of Excellence from the Independent Agents & Brokers of America.
• Multiple locations recognized as Top Workplaces based solely on team member feedback.
• Corporate culture that engages and empowers team members to achieve their best.
• Outstanding benefits with life, medical, dental, vision and prescription drug coverage.
• Competitive paid time off plan and a full day of volunteer time off annually.
• Financial incentives, including a 401(k) plan match, pension plan, OneEMC bonus plan and recognition and anniversary awards.
• Professional development and growth opportunities, including tuition reimbursement.
• Wellness initiatives to improve team member well-being and reduce health insurance costs.
• Flexibility to dress for your day and opportunities for alternative work arrangements.
• EMC complies with labor law requirements. View the federal and e-verify labor law posters. Notice at Collection Privacy Policy (EMCC) – California Consumer Privacy Notice (EMCNL) – California Consumer Privacy Notice.