Small Commercial Renewal Underwriter

Merchants Insurance Group; Bedford (NH); Hybrid; USD 60,000 - 85,000; Full time

Benefits offered by this job

Hybrid work schedule

Competitive pay

Comprehensive benefits

Generous paid time off

401(k) employer match up to 6%

Job summary

Merchants Insurance Group in Bedford, New Hampshire is seeking a Small Commercial Underwriter to join our Commercial Lines Underwriting team. You will underwrite small commercial accounts, build agency relationships, and support profitable growth for policyholders and partners.

The role offers a hybrid work schedule with two days in the office weekly, competitive pay and comprehensive benefits, and opportunities to develop underwriting expertise in a collaborative environment.

Qualifications

• 1–3 years in the insurance business underwriting property & casualty commercial lines
• Experience with agency relations and fitting coverage to risk profiles
• Knowledge of underwriting policy and service standards

Responsibilities

• Underwrite new small commercial accounts, targeting up to $25,000 in premium
• Cultivate relationships with agency partners through in-person and virtual meetings
• Work with underwriting assistants to ensure adherence to policy and standards
• Review accounts with supervisor and recommend action
• Aim to meet regional production goals and loss ratio targets

Skills

Underwriting

Agency relationships

Communication

Microsoft Office

Education

College degree or equivalent

Tools

WINS

ImageRight

Microsoft Office

Job description

Bedford, New Hampshire

Merchants Insurance Group is a leading Property and Casualty Insurer in the Northeast and is looking for a Small Commercial Underwriter for our Commercial Lines Underwriting team located in Bedford, New Hampshire.

The Small Commercial Underwriter will become part of a dedicated underwriting team, collaborating with our agency partners to deliver professional service that achieves the most optimal outcomes for our policyholders, and profitable growth for Merchants and our Agency Partners.

Merchants Insurance Group Is Rated A- (Excellent) With a Stable Outlook By A.M. Best And Is Consistently Recognized As a Top Employer and High-performing Organization. Recent Honors Include

• Best Places to Work in Western New York (Buffalo Business First, 2023–2026)
• Fast Track Company (2019–2025) and Top Private Company (2019–2025)
• Ward’s 50® top-performing property-casualty insurer (2021–2024)
• Ivans Spark Award for Innovation (2024–2025)
• Named to Newsweek and Statista’s America’s Most Reliable Companies list (2025), ranked among the top 300 of 1,500 B2B organizations evaluated

Hybrid Work Schedule

We offer a hybrid work schedule, requiring two full days per week in the office, with flexibility to work remotely or onsite the remaining days. This model supports collaboration while providing flexibility and work-life balance.

Essential Duties and Responsibilities include, but are not limited to:

• Individually risk Underwrite new small commercial accounts, targeting up to $25,000 in premium, or as assigned by the Regional Supervisor or Manager.
• Cultivating solid relationships with Agency partners through in-person meetings and virtual meetings.
• Works with the underwriting assistant to ensure adherence to corporate underwriting policy and service standards.
• Reviews accounts beyond individual authority with the Regional Underwriting Manager or Supervisor and recommends a course of action.
• Achieve commercial lines regional production goals and loss ratio objectives for assigned territory.

Qualifications & Skills

• College degree or equivalent work experience.
• 1-3 years in the insurance business as a property casualty commercial lines underwriter with individual risk underwriting responsibilities.
• Strong background in underwriting commercial lines accounts and building agency relationships.
• Property and Casualty insurance related coursework is a plus i.e. CPCU.
• Previous Agency relationships within the local insurance industry are highly desirable.
• Microsoft Office knowledge as well as the ability to work with internal company systems (WINS, ImageRight etc.).
• Strong communication, organizational and computer skills.

Merchants Insurance Group Pay Information

Merchants Insurance Group offers a competitive pay scale. The estimated salary for this role ranges from $60,000 - $85,000 based on leveling and geography, along with an equity component and a comprehensive benefits package. This range is merely an estimate; actual compensation may deviate from this range based on skills, experience and qualifications.

Merchants Insurance Group Benefits

• Welcoming and positive work environment.
• Flexible work arrangements, including flex scheduling and summer hours.
• Hybrid work schedule. The Hybrid work schedule will require 2 full days per week in the office, with the option to work the remaining days per month at home or in the office.
• Competitive pay scale.
• Generous paid time off package.
• Full Benefits: Health, Dental, Vision, Life Insurance, Short Term Disability, 401(k) employer match amount is 100% up to 6% of your annual contributions. You are immediately 100% vested in the employer match dollars.
• Outstanding company bonus program.
• Tuition Reimbursement.

And many more exciting company benefits!!

Merchants Insurance Group is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability or veteran status. Merchants Insurance Group supports a safe workplace through pre-employment background screenings.