MI Middle Market Underwriter

Central Mutual Insurance Company; Lansing (MI); On-site; USD 93,000 - 130,000; Full time

Benefits offered by this job

Health and wellness benefits

Generous paid leave

Retirement plan

Job summary

Central Mutual Insurance Company in Lansing, MI is seeking a skilled Middle Market Underwriter to manage a defined book of middle market accounts. You will build strong agent relationships, assess risk, and set pricing to support profitable growth.

This role requires 4+ years of commercial lines underwriting experience with Middle Market exposure, and professional designations are preferred. Competitive salary and comprehensive benefits are offered in a stable, community-focused insurer.

Qualifications

• At least 4 years of commercial lines underwriting experience or a related degree
• Experience working with Middle Market accounts
• CPCU, CIC, AU, ARM, CRIS or other insurance designations preferred

Responsibilities

• Manages and underwrites assigned middle market book to achieve profitability
• Selects profitable new business after analysis of risks and coverage requested
• Classifies and prices risks using underwriting judgement and available tools
• Handles complex or larger accounts which may require reinsurance placement
• Monitors premium growth by territory and agency with profit analysis
• Identifies opportunities for book improvement and collaborates with Distribution for changes
• Develops and maintains strong relationships with agents and visits agencies as needed

Skills

Commercial lines underwriting

Middle Market experience

Education

Related degree

Job description

About the Company

Central Insurance has been family owned and operating since 1876, and we’re just getting started. We’re a property and casualty insurance group that believes great work starts with Integrity, thrives on strong Relationships, and never settles for less than Excellence. With over $2B in assets and an A (Excellent) A.M. Best rating, we offer stability, opportunity, and a team you’ll actually enjoy being part of. We make a difference for our policyholders by providing excellent service and being there in the greatest times of need.

About the Role

As aMiddle Market Underwriter,you’ll help Central fulfill its promise to its customers by effectively managing your assigned territory, building strong relationships with agents, writing a profitable book of business, and providing top-notch service.

What we are looking for

• At least 4 years of commercial lines underwriting experience or a related degree and commercial lines underwriting experience
• Experience working in Middle Market accounts
• CPCU, CIC, AU, ARM, CRIS, or other insurance designations- preferred

What you’ll do

• Manages and underwrites assigned book of middle market business to achieve profitability and meet financial objectives
• Selects profitable new business through analysis of the risks presented, coverage requested, and losses incurred
• Classifies and prices risks appropriately using underwriting judgement and analytical tools and resources
• Handles complex or larger accounts which may require reinsurance placement
• Monitor premium growth for assigned middle market territory, conducting profit and growth analysis by territory and agency
• Identify opportunities for book improvement and work with Distribution on implementing necessary changes
• Develops and maintains strong relationships with agents, traveling as needed for agency visits

Hiring Range

$92,500–$130,000 represents typical starting salaries and is a portion of the full pay range for the role.

Starting pay is determined based on several factors, including relevant experience, education, skills, and certifications. The full pay range is broader and is designed to provide employees with meaningful opportunities for salary growth as they develop their skills, increase proficiency, and advance in the role.

Total Rewards

Central establishes base pay based on several factors including labor market data and an evaluation of candidate qualifications relative to role requirements. Base pay is one component of a comprehensive total rewards package designed to support employees’ financial, health, career, and retirement objectives.

Central provides extensive health and wellness benefits to promote flexibility, work-life balance, generous paid leave, and long-term financial security.

For more information, see Central Insurance Benefits.