Large Accounts Underwriter

EMC Insurance Companies; United States; Remote; USD 100,000 - 152,000; Full time

Job summary

EMC Insurance Companies is seeking a Large Accounts Underwriter to manage a defined territory, evaluating complex commercial risks and developing tailored coverage solutions that meet client needs.

You will partner with agents and brokers, negotiate terms, and contribute to portfolio growth while applying EMC’s underwriting guidelines and tools. This role supports growth across large accounts while maintaining regulatory compliance and strong client service.

Qualifications

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

Responsibilities

• Manage and grow a profitable Large Accounts portfolio within underwriting authority and territory.
• Evaluate complex multi-line accounts to determine pricing, coverage structures, and risk.
• Apply underwriting guidelines using loss history, financial data, risk control reports, and pricing tools.
• Maintain accurate underwriting documentation to support decisions and regulatory compliance.
• Negotiate underwriting terms, conditions, and pricing for Large Accounts.
• Build and strengthen relationships with brokers and agents to drive growth and retention.
• Educate agency partners on EMC’s Large Accounts appetite and capabilities.
• Conduct agency visits to discuss opportunities and market updates.
• Partner with regional leadership on agency strategy and business development.
• Collaborate with internal partners to optimize portfolio performance.
• Monitor market trends and industry developments to inform strategies.

Skills

Underwriting knowledge

Two lines of business

Communication skills

Presentation skills

Account analysis documentation

Team collaboration

Travel readiness

Driver’s license

Education

Bachelor’s degree in insurance or business administration

CPCU designation

Tools

Microsoft Office

Social media

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 inAZ**

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 Accounts 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.

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
• Occasional travel; a valid driver’s license with an acceptable motor vehicle report per company standards required if traveling

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, includingrelevant education, skills, and experience of an applicant, geographic location, and business needs.

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

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. _