Middle Market Underwriter

Central Insurance Company; Alpharetta (GA); On-site; USD 70,000 - 100,000; Full time

Job summary

Central Insurance Company is seeking a Middle Market Underwriter to manage a regional book, underwriting profitability and building strong agent partnerships. You will price and analyze risks, handle complex accounts, and collaborate with internal teams to drive strategic underwriting initiatives.

The role requires a bachelor’s degree with underwriting experience in Commercial Lines or a minimum of four years in the field, plus willingness to travel to agencies for visits and ongoing

Qualifications

• Bachelor’s degree in a relevant field; 2+ years of Commercial Lines Underwriting experience.
• Or 4 years of Commercial Lines Underwriting experience.

Responsibilities

• Manage and underwrite assigned middle market book to achieve profitability and objectives.
• Select profitable new business through risk analysis and coverage review.
• Classify and price risks with underwriting judgment and tools.
• Handle complex or larger accounts that may require reinsurance.
• Monitor premium growth by territory and agency; perform profit analysis.
• Develop and maintain strong agent relationships; travel as needed.
• Communicate effectively to provide prompt, professional service.
• Lead reviews on larger accounts and stay current on state regulations.

Skills

Middle market underwriting

Risk analysis

Client relationship

Negotiation

Analytical thinking

Communication

Travel readiness

Education

Bachelor’s degree in relevant field

Job description

We’re a team of employees passionate about delivering best-in-class customer service and innovation in the industry. We prioritize integrity, relationships, and excellence in all aspects of our work.

Our employees fully utilize their talents and bring their best selves to work. We believe who you are is just as important as what you do!

As a Middle 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.

Key Responsibilities of the Role

• Manage and underwrite assigned book of middle market business to achieve profitability and meet financial objectives
• Select profitable new business through analysis of the risks presented, coverage requested, and losses incurred
• Classify and price risks appropriately using underwriting judgement and analytical tools and resources
• Handle complex or larger accounts that 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
• Lead reviews on larger accounts exceeding letter of authority
• Keep current on state/territory issues and regulations
• Develop and maintain strong relationships with agents, traveling as needed for agency visits
• Communicate effectively, providing prompt and professional service
• Develop and maintain strong internal relationships within the Underwriting Team and with other business units such as loss control, customer service, claims, and marketing
• Provide input and data to help drive and implement strategic underwriting initiatives
• Demonstrate a commitment to continuing education and development

Required Qualifications

• Bachelor’s degree in relevant field and 2 years of experience in Commercial Lines Underwriting
• Or 4 years of experience in Commercial Lines Underwriting

Preferred Qualifications

• Experience in underwriting Middle Market accounts

Knowledge, Skills, and Abilities

• Strong knowledge of underwriting principles and guidelines to evaluate and manage highly complex accounts effectively
• Solid time, organizational, and desk management skills
• Ability to apply advanced underwriting concepts including risk selection, exposure and hazard identification and control, coverage implications, and loss analysis
• Ability to think analytically about business problems, make recommendations and propose solutions
• Effective verbal and written communication skills, including negotiation, presentation, and influence to achieve favorable outcomes
• Knowledge of commercial lines coverages and policies in assigned states
• Ability to professionally interact with our customers
• Ability to investigate, gather facts and information, and analyze coverage
• Understand the importance of capturing data
• An innovative and continuous improvement mindset
• A positive, professional, cooperative, and quality-conscious service attitude
• Ability to work under pressure, deal with interpersonal conflict, and handle a heavy workload
• Possess analytical and problem‑solving skills
• Verbal and written communication skills, including negotiation, presentation, and influence skills
• Ability to understand Central Insurance’s policies and processes
• Ability to travel to assigned agents including occasional overnight

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, and long‑term financial security. For more information, see Central Insurance Benefits

Work Authorization

Central will only employ those who are legally authorized to work in the United States. This is not a position for which sponsorship will be provided. Individuals with temporary visas such as E, F‑1(including those with OPT or CPT) , H‑1, H‑2, L‑1, B, J or TN, or who need sponsorship for work authorization now or in the future, are not eligible for hire.

Equal Opportunity Employer

It is the policy of Central that all recruiting, hiring, training, compensation, overtime, job classification and assignment, facilities, promotions, transfers, employee treatment and all other terms and conditions of employment shall be maintained in a manner which will not discriminate against any person because of race, color, age, sex, national origin, ancestry, religion, marital status, military status, or disability. The applicant should respond to questions on this application in a way that will not divulge such information.