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Commercial Underwriting Associate


We are Farmers!

We are… more than just your favorite commercials.  At Farmers, we strive to deliver peace of mind to our customers by providing protection and comprehensive advice and delivering in the moments of truth. That means having people who can help us meet changing customer and business needs. Farmers high-performance culture is focused on results and the people who achieve them. We hold ourselves and others accountable for sustainably growing the business and each other. We seek solutions, own our actions, and grow through discomfort. We see setbacks as opportunities while continuously asking ourselves how we impact our customers. 


Farmers is an award winning, equal opportunity employer, committed to the strength of a diverse workforce. We are dedicated to supporting the well-being of our people through our extensive suite of benefits, as well as the well-being of the communities we serve through employee volunteer programs and nonprofit partnerships. Helping others in their time of need isn’t just our business – it’s our culture!  To learn more about our high-performance culture and open opportunities, check out and be sure to follow us on Instagram, LinkedIn, and TikTok. 


Workplace: Hybrid ( #LI-Hybrid )


Farmers believes in a culture of collaboration, creativity, and innovation, which thrives when we have the ability to work flexibly in a virtual setting as well as the opportunity to be together in person. Our hybrid work environment combines the best of both worlds with at least three (3) days in office and up to two (2) days virtual for employees who live within fifty (50) miles of a Farmers corporate office. Applicants beyond fifty (50) miles may still be considered.

Job Summary

  • Evaluates risk, underwrites and processes service transactions for Commercial Underwriting.
  • Executes on underwriting policies up to authority limits and services policies for assigned lines of businesses and territories.

Essential Job Functions

  • Analyzes, researches and resolves policy to accept, modify or reject account related inquiries from internal and external customers for accounts under $25,000 in premium.
  • Reviews issues and collaborates with other stakeholders to ensure resolution.
  • Objectively validates information provided for new business, cancellations, amendments, endorsements and renewal transactions within defined scope of discretion.
  • Calculates rates and premiums, including premium refunds, and selects the appropriate declarations, coverage forms, exclusions and option coverage in order to complete a policy.
  • Utilizes appropriate underwriting tools such as MVRs, product guides and loss control to make determination of acceptability, eligibility, classification and proper pricing based on assigned products and authority levels.
  • Evaluates exceptions and provides documentation in adherence to established guidelines.
  • Conducts proper review in order to prepare referrals for transactions above authority level to appropriate leader.
  • Communicates with both internal and external customers to underwrite and service customer accounts or support initiatives to ensure a positive customer experience.
  • Provides support within established performance standards and priorities that are responsive to marketing, underwriting, retention and service goals.
  • Routinely refers to departmental procedures relating to issuing, renewing, reinstating, canceling and changing accounts in order to ensure policies are compliant with various regulatory and company guidelines.
  • Performs other duties as assigned.

Physical Actions

This role, whether performed virtually or in an office setting, will include normal and customary distractions, noise, and interruptions. Sits or stands for extended periods of time, up to a full work shift. Occasionally reaches overhead and below the knees, including bending, twisting, pulling, and stooping. Occasionally moves, lifts, carries, and places objects and supplies weighing 0-10 pounds without assistance. Listens to, interprets, and differentiates auditory information (example others speaking) at normal speaking levels with or without correction. Visually verifies and reads information. Visually locates material, resources and other objects. Ability to continuously operate a computer for extended periods of time, up to a full work shift. Physical dexterity sufficient to use hands, arms, and shoulders repetitively to operate keyboard and other office equipment up to a full work shift.

Physical Environment

This position operates in an open office working environment which will include normal and customary distractions, noise, and interruptions.

Education Requirements

  • High School Diploma or equivalent
  • Bachelors degree preferred 

Experience Requirements

  • Minimum one year professional experience in an office setting.
  • Minimum one year related insurance experience.


  • Farmers offers a competitive salary commensurate with experience, qualifications and location.
  • Bonus Opportunity (based on Company and Individual Performance)
  • 401(k)
  • Medical
  • Dental
  • Vision
  • Health Savings and Flexible Spending Accounts
  • Life Insurance
  • Paid Time Off
  • Paid Parental Leave
  • Tuition Assistance
  • For more information, review “What we offer” on


Job Location(s): US - MI - Caledonia KM2

Anticipated application deadline: 4/16/24

At Farmers, the recruitment process is designed to ensure that we find the best talent to join our team. As part of this process, we typically close open positions within 8 to 21 days after posting. If you are interested in any of our open positions, we encourage you to submit your application promptly.

Want to learn more about our culture & opportunities? Check out and be sure to follow us on InstagramLinkedIn, and TikTok.

Nearest Major Market: Grand Rapids

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