Remote Large Accounts Underwriter

EMC Insurance Companies; Arizona; On-site; USD 105,000 - 145,000; Full time

Job summary

EMC Insurance Companies 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 and brokers, build market relationships, and influence portfolio performance with sound underwriting decisions.

The role involves negotiating terms, maintaining documentation for compliance, and collaborating with leadership on strategy and growth initiatives across

Qualifications

• Bachelor’s degree or equivalent relevant experience.
• Five years of commercial underwriting experience.
• Experience with large accounts, including $500K+ premium accounts, loss-sensitive programs, and complex risk profiles.

Responsibilities

• 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.

Skills

Underwriting

Pricing

Risk assessment

Broker/agent relationships

Regulatory compliance

Portfolio management

Education

Bachelor’s degree in insurance or business administration

Equivalent relevant experience

Job description

EMC Insurance Companies 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 and brokers, build market relationships, and influence portfolio performance with sound underwriting decisions.

The role involves negotiating terms, maintaining documentation for compliance, and collaborating with leadership on strategy and growth initiatives across