Underwriting Associate - Large Accounts

EMC Insurance; Missouri; Hybrid; USD 51,000 - 78,000; Full time

Benefits offered by this job

401(k) match

Pension plan

Bonus program

Wellness program

Job summary

EMC is seeking a Large Accounts Underwriting Associate to support underwriting of complex commercial accounts, analyze risks, and deliver exceptional service to agents and brokers. This role offers remote work options for eligible locations in the United States.

You will renew, evaluate risk, prepare submissions, coordinate pricing updates, and collaborate with internal teams to grow EMC's Large Accounts portfolio while upholding underwriting standards.

Qualifications

• Associate degree or equivalent experience with insurance industry exposure.
• Experience supporting large commercial accounts plus complex risk exposures preferred.
• Strong data entry and analytical capabilities are essential.

Responsibilities

• Lead renewal preparation for assigned portfolio and support pricing objectives.
• Evaluate risk profiles and determine renewal eligibility per guidelines.
• Prepare analyses for items outside authority to support decisions.
• Validate classifications, review loss runs, and coordinate rating activities.
• Receive and triage new submissions for underwriter review.
• Assemble proposal materials and apply pricing updates as directed.
• Build relationships with agents/brokers to support retention and growth.
• Serve as primary contact for agent inquiries on endorsements, renewals, and policies.
• Review endorsements, reinstatements, and cancellations within authority.
• Analyze coverage, claims history, and loss experience to assess policy changes.
• Collaborate with internal teams to deliver timely solutions for agents and insureds.
• Provide underwriting support while developing appetite knowledge and system skills.

Skills

Attention to detail

Microsoft Office

Customer service

Communication

Negotiation

Teamwork

Education

Associate degree

Bachelor's degree considered

Tools

MS Office

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. This position can be performed remotely for candidates who reside in Kansas City, MO, Wichita, KS, Dallas, TX, or Arizona

As a Large Accounts Underwriting Associate, you'll help drive profitable growth by supporting the underwriting of complex commercial accounts, analyzing risks, and delivering exceptional service to agents and brokers. Working closely with underwriters and business partners, you'll contribute to strategic account decisions, strengthen agency relationships, and help position EMC's Large Accounts portfolio for long-term success.

Essential Functions:

• Lead renewal preparation for an assigned portfolio, supporting profitability, retention, and pricing objectives.
• Evaluate account risk profiles and determine renewal eligibility according to underwriting guidelines.
• Identify items outside authority and prepare analysis to support approval decisions.
• Ensure submission quality by validating classifications, reviewing loss runs, and coordinating rating activities.
• Receive, triage, and prepare new business submissions for underwriter evaluation.
• Apply underwriting-directed pricing updates and assemble proposal materials for review.
• Build strong relationships with agents and brokers to support retention and new business growth.
• Serve as a primary contact for agent inquiries, resolving endorsement, renewal, and policy-related issues.
• Review and approve endorsements, reinstatements, and cancellations within established authority.
• Assess the impact of policy changes by analyzing coverage, claims history, and loss experience.
• Partner with internal teams to deliver timely solutions for agents and insureds.
• Provide operational and underwriting support while developing expertise in EMC's underwriting appetite, tools, and systems.

Education & Experience:

Associate degree or equivalent relevant experience

One year of insurance industry experience or related experience

Experience supporting large commercial accounts, including $500K+ premium accounts, loss-sensitive programs, and complex risk exposures, strongly preferred

Bachelor’s degree may be considered in lieu of the insurance industry experience requirement

Knowledge, Skills, & Abilities:

• Attention to detail and accurate data entry skills
• Good personal computer skills with proficiency in Microsoft products
• General knowledge of insurance terminology
• Good problem-solving and decision-making skills
• Excellent customer service and communication skills
• Strong organizational and time management skills
• Strong negotiation skills
• Ability to work in a team setting as well as independently
• 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: $51,201 - $70,730 or $56,581 - $77,796 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?

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

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