Underwriting Specialist Technology, Small Commercial Lines

Hanover Insurance Group, Inc.; Worcester, Northern (MA, KY); Hybrid; USD 90,000 - 130,000; Full time

Job summary

Hanover Insurance Group, Inc. seeks an experienced Small Commercial Lines Technology Underwriter in Massachusetts/New York. This full-time, exempt role offers hybrid or fully remote work options and a chance to underwrite technology-focused accounts with cross-functional collaboration.

You will assess technology risk, price and quote policies, and manage a portfolio to meet profitability and growth targets while staying aligned with appetite and capacity guidelines.

Qualifications

• Bachelor’s degree or equivalent experience.
• 3–7+ years in standard commercial lines underwriting; accounts $100K+ preferred.
• Strong knowledge of underwriting principles, pricing methodology, and risk assessment.
• Exceptional verbal, written, and presentation skills; ability to consult effectively with internal and external stakeholders.
• Negotiation and sound judgment; ability to make informed business decisions.
• Adaptability to learn quickly and manage multiple priorities in a fast-paced environment.
• Proficient in use of underwriting systems/tools.

Responsibilities

• Identify, solicit, underwrite, and sell new and renewal Technology accounts.
• Communicate effectively with internal and external stakeholders via phone, email, Teams, and in person.
• Apply underwriting concepts including risk selection, coverage implications, and loss analysis.
• Follow guidelines to ensure compliance and profitability and price accordingly.
• Develop and manage portfolio to achieve premium, profitability, retention, and mix goals.
• Collaborate with claims, risk solutions, and operations to showcase service and technical expertise.

Skills

Communication

Negotiation

Adaptability

Collaboration

Organizational skills

Technology proficiency

Education

Bachelor’s degree or equivalent experience

Tools

Underwriting systems/tools

Job description

Our Technology and Life Sciences Underwriting team is seeking an experienced Small Commercial Lines Technology Underwriter to join our growing team in Massachusettsand New York.

This is a full-time, exempt position with flexibility to work in a hybrid or fully remote arrangement.

Position Overview/Summary:

Responsible for identifying, soliciting, underwriting and selling new and renewal Technology accounts that drive profitable growth and align with Technology’s appetite and mix goals. Apply technical, sales and analytical skills to provide insurance solutions that help Hanover’s customers manage risk. Demonstrates a thorough understanding of Hanover’s strategies and appetites and will use internal and external data to make appropriate individual and portfolio risk decisions. Serves as a resource and advisor to core underwriters, helping them understand technology risk appetite and assess liability, professional, and cyber exposures. Operates with limited daily supervision, seeks technical direction for matters outside one’s authority and general expertise. Operates within a standard letter of authority for all underwriting decisions while managing a book of business, generally with moderate technical complexity and coordination.

Responsibilities/Essential Functions:

• Employees are expected to meet the essential functions of their role, including maintaining regular, predictable and reliable attendance and adhering to their assigned work schedules.
• Onsite attendance requirements may vary by position and are subject to change based on business needs consistent with applicable law.
• Communicate effectively with internal and external stakeholders using appropriate channels, including phone, email, teams, and in person interactions as required.
• Ability to maintain sound judgement and attention to detail while managing multiple priorities under pressure in a fast-paced environment.
• The company will provide reasonable accommodations to enable employees to perform the essential functions of the role, consistent with applicable law.
• Technical Underwriting
• Apply underwriting concepts including risk selection, hazard identification, coverage implications, and loss analysis.
• Utilize underwriting tools and adhere to guidelines to ensure compliance and profitability.
• Understand pricing components and rating methodology; correlate pricing to exposure, financial analysis, and competitive positioning.
• Ask critical questions to uncover full scope of operations and exposures when presented with limited information.
• Complete file documentation per best practices and regulatory requirements; clearly articulate account decisions.
• Follow CAT guidelines and maintain underwriting discipline to minimize exposure and appropriately price risks.
• Provide accurate rating instructions for quotes prior to proposal generation.
• Able to underwrite and price Technology specialty coverages such as products, professional, and cyber liability with some guidance on more complex exposures.
• Portfolio Management & Financial Acumen
• Manage assigned portfolio to achieve goals for premium, profitability, retention, industry mix, and new business.
• Analyze financial reports and insurance performance metrics (e.g., OBIEE) to inform risk management decisions.
• Understand market factors impacting pricing, including distribution channels, competition, growth strategies, regulation, and reinsurance costs.
• Prepare and review adverse underwriting decisions, rate appeals, and declinations to drive results within territory.
• Sales Acumen & Customer Advocacy
• Identify, solicit, pipeline, negotiate, and close accounts aligned with Technology and branch strategies.
• Profile agency partners and strategically market capabilities to agents.
• Maintain current knowledge of state/territory regulations and trends; leverage market intelligence to strengthen agent relationships.
• Build trust and secure commitments through effective relationship management and negotiation.
• Operate with a franchise perspective to identify cross-sell opportunities and partner with other business units for comprehensive solutions.
• Demonstrate deep knowledge of Hanover’s products and appetite; communicate effectively at point of sale.
• Execute rigorous sales practices using Salesforce and other tools; adhere to sales best practices.
• Deliver impactful sales presentations to agents and customers; leverage Industry Solutions partners for enhanced knowledge transfer.
• Collaborate with Claims, Risk Solutions, and Operations to showcase service and technical expertise.
• Develop and implement Territory Business Plans for agency partners.
• Work Location and Arrangement
• Work location (remote, hybrid, or onsite) is determined by the Company based on role requirements and business needs and may be modified at the Company’s discretion.
• Certain roles require the ability to perform job duties onsite, including reporting to designated Hanover offices and attending in‑person meetings, training, or other work‑related activities, as required by business needs.
• Travel may be required based on business needs and may vary depending on role demands.
• Flexible work arrangements are guided by the Company’s Flexible Work Arrangement Policy.

Essential Skills and Experience:

• Education: Bachelor’s degree or equivalent experience.
• Experience: 3–7+ years in standard commercial lines underwriting; experience with accounts $100K+ preferred.
• Technical Skills: Strong knowledge of underwriting principles, pricing methodology, and risk assessment.
• Communication: Exceptional verbal, written, and presentation skills; ability to consult effectively with internal and external stakeholders.
• Negotiation & Judgment: Skilled in exercising sound judgment, negotiating effectively, and making informed business decisions.
• Adaptability: Ability to learn quickly, adapt to change, and manage multiple priorities in a fast-paced environment.
• Collaboration: Strong team orientation; fosters inclusion and respect for diverse perspectives.
• Organizational Skills: Proficient in prioritization, desk management, and meeting deadlines.
• Technology: Proficiency in underwriting systems/tools.