Remote AI-Savvy Commercial Lines Underwriter I

Indiana Farmers Insurance; Indiana; Hybrid; USD 61,000 - 73,000; Full time

Benefits offered by this job

Health insurance

Dental insurance

Vision insurance

Life insurance

Disability insurance

401k company match

Paid parental leave

Employee assistance programs

Educational incentive program

Job summary

Indiana Farmers Insurance is seeking a Commercial Underwriter I to review applications, assess risk, and support agents and members with underwriting decisions. You will manage a commercial lines book with guidance on authority, balancing service with profitability.

The role offers hybrid or remote work options, ongoing education, and opportunities to grow within a mutual company committed to inclusive, supportive culture.

Qualifications

• Two or more years of commercial lines underwriting experience.
• Insurance designation or coursework preferred.
• Knowledge of commercial coverages and underwriting guidelines.
• Ability to assess risk information and make consistent decisions.
• Strong organization and customer focus.

Responsibilities

• Review applications, renewals, policy changes, inspections, audits, loss information, and supporting business information to assess eligibility and risk acceptability within underwriting guidelines and assigned authority.
• Analyze business operations, property and liability exposures, classifications, loss experience, coverage needs, premiums, limits, retentions, and account information to support appropriate underwriting decisions.
• Document risk assessments, selection rationale, and guideline exceptions to maintain clear and supportable underwriting files.
• Communicate with agents, members, and internal partners about commercial coverages, classifications, business exposures, and account questions to support timely service and informed decisions.
• Develop productive working relationships with assigned commercial agents to support profitable growth, retention, and responsive underwriting service.
• Monitor pricing, retention, growth, loss experience, and profitability indicators to manage the assigned book of business.
• Identify risks that may require facultative reinsurance and prepare exposure, loss, and account information with support from experienced underwriting associates.
• Maintain current underwriting and industry knowledge through continuing education and provide technical guidance to less experienced underwriting associates and agents as needed.

Skills

Commercial underwriting

Risk assessment

Communication

Collaboration

Education

College degree preferred

Insurance designation preferred

Job description

Indiana Farmers Insurance is seeking a Commercial Underwriter I to review applications, assess risk, and support agents and members with underwriting decisions. You will manage a commercial lines book with guidance on authority, balancing service with profitability.

The role offers hybrid or remote work options, ongoing education, and opportunities to grow within a mutual company committed to inclusive, supportive culture.