Underwriting Associate - Large Accounts

EMC Insurance; Northern (KY); Hybrid; USD 51,000 - 71,000; Full time

Benefits offered by this job

Work from home option

Comprehensive benefits package

Job summary

EMC Insurance is seeking a Large Accounts Underwriting Associate to support underwriting of complex commercial accounts, analyze risk, and provide exceptional service to agents and brokers. The role partners with underwriters and business partners to strengthen relationships and position EMC's Large Accounts portfolio for long-term success.

The position is eligible to work from home anywhere in the United States and requires strong attention to detail, solid Microsoft skills, and the ability to

Qualifications

• Attention to detail and accurate data entry.
• Proficiency in Microsoft Office products.
• General knowledge of insurance terminology.

Responsibilities

• Lead renewal preparation for an assigned portfolio and support profitability, retention, and pricing objectives.
• Evaluate account risk profiles and renewal eligibility per underwriting guidelines.
• Validate classifications, review loss runs, and coordinate rating activities.

Skills

Attention to detail

MS Office

Insurance terminology

Problem solving

Customer service

Organization

Negotiation

Teamwork

Independent work

Education

Associate degree

Bachelor’s degree considered

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 is eligible to work from home anywhere in the United States** 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

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