Underwriting Associate - Large Accounts

EMC Insurance Companies; Town of Texas (WI); On-site; USD 51,000 - 78,000; Full time

Job summary

EMC Insurance Companies in Wisconsin seeks a Large Accounts Underwriting Associate to support underwriting of complex commercial accounts, analyze risks, and deliver exceptional service to agents and brokers. This role partners with underwriters to drive profitable growth and maintain key client relationships.

The position emphasizes renewal preparation, risk evaluation, submissions, and endorsements within authority, with travel occasional and continued development of EMC's underwriting tools

Qualifications

• Associate degree or equivalent experience in the insurance field.
• One year of insurance industry experience, preferably with large commercial accounts.
• Experience with $500K+ premium accounts and complex risk exposure is strongly preferred.

Responsibilities

• Lead renewal preparation for assigned portfolios to support profitability and pricing.
• Evaluate account risk profiles and determine renewal eligibility.
• Review loss runs, classifications, and coordinate rating activities.
• Prepare new submissions for underwriter evaluation.
• Build relationships with agents and brokers to support retention and growth.
• Approve endorsements and analyze impact of policy changes.

Skills

Attention to detail

Communication skills

Customer service

Team player

Education

Associate degree

Bachelor’s degree may be considered in lieu of experience

Tools

Microsoft Office

Underwriting software

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, reinstatments, 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.