Small Business Underwriter

EMC Insurance Companies; United States; Remote; USD 61,000 - 92,000; Full time

Job summary

EMC Insurance Companies is seeking a Small Business Underwriter to growth a profitable portfolio of small business within assigned territory. You will select and price risks, evaluate coverage forms, and maintain high service levels while partnering with sales and agency teams.

The role emphasizes data-driven decision making, strong analytical skills, and professional development to stay current with industry guidelines. Remote work from home is eligible anywhere in the U.S.

Qualifications

• Bachelor’s degree or equivalent relevant experience.
• One year of experience in commercial lines underwriting or related experience.
• Insurance designations such as CPCU, CIC, or AU preferred.

Responsibilities

• Manage and grow a profitable portfolio of new and renewal small business within assigned authority and territory.
• Select and price risks in alignment with EMC’s Small Business Underwriting Strategy.
• Evaluate coverage forms, classifications, rating plans, and underwriting guidelines to make sound, data-driven decisions.
• Prioritize workload to balance underwriting quality, efficiency, and responsiveness.
• Meet service-level commitments while supporting agency and business needs.
• Build trusted relationships with agency partners, particularly high-potential small business agencies.
• Partner with sales and other business units to ensure consistent communication and service.
• Engage agencies to generate new business, provide training support, and advance market objectives.
• Participate in agency planning and reviews, monitor progress, and provide actionable feedback toward annual goals.
• Stay current on underwriting best practices, industry trends, coverage forms, rating plans, and guidelines through ongoing professional development.

Skills

Analytical thinking

Decision making

Negotiation

Customer service

Teamwork

Communication

Independent work

Education

Bachelor’s degree in insurance or business administration

CPCU/CIC/AU designation preferred

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.

Position is eligible to work from home anywhere in the U.S.

Candidates that exceed the minimum qualifications may be considered for a higher level position.

As a Small Business Underwriter, you’ll make a meaningful impact by using your expertise to make thoughtful risk decisions, grow a profitable portfolio, and build trusted relationships with agency partners. You’ll work closely with sales and business teams to uncover new opportunities, provide exceptional service, and help both our agency partners and EMC succeed.

Essential Functions

• Manage and grow a profitable portfolio of new and renewal small business within assigned authority and territory.
• Select and price risks in alignment with EMC’s Small Business Underwriting Strategy.
• Evaluate coverage forms, classifications, rating plans, and underwriting guidelines to make sound, data-driven decisions.
• Prioritize workload to balance underwriting quality, efficiency, and responsiveness.
• Meet service-level commitments while supporting agency and business needs.
• Build trusted relationships with agency partners, particularly high-potential small business agencies.
• Partner with sales and other business units to ensure consistent communication and service.
• Engage agencies to generate new business, provide training support, and advance market objectives.
• Participate in agency planning and reviews, monitor progress, and provide actionable feedback toward annual goals.
• Stay current on underwriting best practices, industry trends, coverage forms, rating plans, and guidelines through ongoing professional development.

Education & Experience

• Bachelor’s degree, preferably in insurance or business administration, or equivalent relevant experience
• One year of experience in commercial lines underwriting or related experience
• Insurance designations, such as CPCU, CIC, or AU preferred

Knowledges, Skills & Abilities

• Strong analytical, decision-making, and negotiating skills
• Strong problem-solving skills and the ability to make sound decisions
• Strong customer service skills
• Ability to work effectively with others, as well as independently
• Ability to maintain high standards of professional competence
• Strong computer skills, including knowledge of Microsoft Office and social media
• Ability to work on multiple projects while meeting deadlines
• Occasional travel; a valid driver’s license with an acceptable motor vehicle report per company standards required if driving

The hiring salary range for this position will vary based on geographic location, falling within either of the following:

$60,813 - $84,038 or $67,200 - $92,395

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.