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Commercial Underwriting Manager

31769

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 an inclusive 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 www.Farmers.com/careers/corporate and be sure to follow us on Instagram, LinkedIn, and TikTok. 

 

Workplace: Hybrid ( #LI-Hybrid ), Remote ( #LI-Remote )

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

Leads and manages the Commercial Underwriting team across a multi-state region, ensuring compliance with state-specific guidelines. Accountable for growth and profitability of the assigned book of business and territory. Oversees risk evaluation and decisions on acceptance, modification, or rejection to achieve territorial and industry objectives. Drives strategies for profitable growth, retention, and market penetration while delivering exceptional service to agents and policyholders. Provides leadership support as needed across the team.

Essential Job Functions

Directs and manages a team of underwriters handling complex or irregular cases. Oversees risk selection, underwriting quality, and operational efficiency while fostering collaboration and business growth. Ensures compliance with authority levels, develops staff capabilities, and drives strategies for profitability and resource optimization.
Essential Job Functions
  • Lead Underwriting Team: Provide guidance, coaching, and mentoring to underwriters, ensuring technical expertise and adherence to authority levels.
  • Risk Selection & Approval: Review and approve risks within authority; escalate complex cases with recommendations for pricing and coverage.
  • Portfolio Management: Monitor existing business performance, analyze loss trends, and implement strategies to improve profitability and combined ratios.
  • Operational Efficiency: Optimize processes, manage operating costs, and ensure timely, accurate underwriting for new business, renewals, and endorsements.
  • Agency & Business Development: Build relationships with agents, develop agency-specific growth plans, and promote collaboration across teams to drive profitable production.

Physical Actions

Work is performed in-person at a Farmers office or virtually at an approved location. Environment is indoors, climate-controlled, with normal office distractions (background noise, chatter, interruptions).
  • Sitting: Frequently for extended periods, up to a full shift.
  • Movement: Occasionally walks, navigates stairs/ramps, and uneven surfaces.
  • Lifting: Occasionally moves or lifts up to 25 lbs without assistance.
  • Manual Tasks: Frequently uses arms, hands, and fingers for equipment and fine motor tasks (typing, mousing, writing).
  • Posture: Rarely bends, stoops, kneels, twists, or reaches overhead/below knees.
  • Vision: Clear vision (with/without correction) for reading and verifying information; depth and peripheral vision for navigation.
  • Hearing: Adequate hearing (with/without correction) for communication, alarms, and safety.
  • Travel: 10-15%

Education Requirements

High School Diploma or equivalent required. Bachelors degree preferred. Insurance industry designation achieved, or completion of three sections from CPCU courses 500/510, 520 or 551, 552.

Experience Requirements

Five or more years commercial multi-line underwriting experience. Prior leadership experience.

Additional Qualification

Results-driven insurance professional with extensive expertise in commercial underwriting, risk selection, and pricing strategies. Skilled in interpreting policy language and applying technical knowledge to ensure profitable growth and compliance. Adept at building strong agency relationships, influencing stakeholders, and delivering effective presentations. Brings a deep understanding of insurance laws, regulatory requirements, and market practices, combined with advanced analytical skills and proficiency in Microsoft Office tools. Recognized for accuracy under pressure, adaptability in dynamic environments, and ability to coach and develop high-performing teams.

Benefits

  • Farmers offers a competitive salary commensurate with experience, qualifications and location.
    o CA Only: $119,920 - $191,290
    o CO Only: $112,720 - $164,890 
    o HI/IL/MN/VT Only: $112,720 - $176,550
    o MA Only: $112,720 - $176,550 
  • o MD Only: $112,720 - $176,550
    o DC/NJ/NY/OH Only: $112,720 - $191,290 
             o Albany County, NY/Cleveland, OH: $119,920 - $164,890 
    o WA Only:  $112,720 - $200,625 
  • 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 https://www.farmers.com/careers/corporate/#offer

 

Job Location(s): R_US - United States

 

Anticipated application deadline: 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.

 

Farmers will consider for employment all qualified applicants, including those with criminal histories, in accordance with the Los Angeles Fair Chance Initiative for Hiring Ordinance or other applicable law.  Pursuant to 18 U.S.C. Section 1033, Farmers is prohibited from employing any individual who has been convicted of any criminal felony involving dishonesty or a breach of trust without prior written consent from the state Department of Insurance.

 

It is unlawful in Massachusetts to require or administer a lie detector test as a condition of employment or continued employment. An employer who violates this law shall be subject to criminal penalties and civil liability.

 

Farmers is an Equal Opportunity Employer and does not discriminate in any employer/employee relations based on race, color, religion, gender, sexual orientation, gender expression, genetic information, national origin, age, disability, marital status, military and veteran's status, or any other basis protected by applicable discrimination laws. 

 

Want to learn more about our culture & opportunities? Check out www.Farmers.com/careers/corporate and be sure to follow us on Instagram, LinkedIn, and TikTok.

 

Spokane, WA only:  Residents who prefer not to provide their address click here to submit your resume via email: careers@farmers.com

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