Small Business Underwriter

EMC Insurance; United States; Remote; USD 61,000 - 84,000; Full time

Job summary

EMC Insurance is seeking a Small Business Underwriter to strengthen our portfolio and partner with agency teams across the United States. You will evaluate risks, price coverage, and ensure service excellence while growing profitable business within your territory.

The role requires a bachelor’s degree (insurance or business) and relevant underwriting or related experience; CPCU/CIC/AU is a plus. This position offers remote work from anywhere in the U.S. and opportunities for professional growth.

Qualifications

• Bachelor's degree in insurance or business administration or equivalent experience.
• 1 year of commercial lines underwriting or related experience.
• Insurance designations such as CPCU, CIC, AU preferred.

Responsibilities

• Grow a profitable portfolio of small business within assigned territory.
• Select and price risks following underwriting strategy.
• Evaluate coverage forms, rating plans and guidelines.
• Balance workload for underwriting quality and responsiveness.
• Meet service levels while supporting agency needs.
• Build relationships with agency partners and drive new business.
• Collaborate with sales and other teams for consistent service.
• Stay current on underwriting practices and industry trends.

Skills

Analytical skills

Decision making

Negotiation

Problem solving

Customer service

Team collaboration

Independent work

Professional competence

Computer skills

Microsoft Office

Social media

Multi-project management

Travel eligible

Driver's license

Education

Bachelor's degree in insurance or business

Insurance designations (CPCU, CIC, or AU)

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, including relevant 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.

Why should you choose to apply for a position at EMC? We can give you plenty of reasons why EMC is a great place to work: More than 105 years of financial strength and stability Named a five-star insurance carrier by Insurance Business America Two-time recipient of the Best Practices Award of Excellence from the Independent Agents & Brokers of America Multiple locations recognized as Top Workplaces based solely on team member feedback Corporate culture that engages and empowers team members to achieve their best Outstanding benefits with life, medical, dental, vision and prescription drug coverage Competitive paid time off plan and a full day of volunteer time off annually Financial incentives, including a 401(k) plan match, pension plan, OneEMC bonus plan and recognition and anniversary awards Professional development and growth opportunities, including tuition reimbursement Wellness initiatives to improve team member well-being and reduce health insurance costs Flexibility to dress for your day and opportunities for alternative work arrangements EMC complies with labor law requirements. View the federal and e-verify labor law posters. Notice at Collection Privacy Policy (EMCC) – California Consumer Privacy Notice (EMCNL) – California Consumer Privacy Notice