Apply now »

Middle Market Casualty Principal Commercial Underwriter

34290

We are Farmers – where ambition meets opportunity.

 

At Farmers, we’re not just known for unforgettable jingle – we’re a team with a passion for purpose and making a real difference in people’s lives. We deliver peace of mind when it matters most. Our results-driven, high-performance culture thrives on creativity, accountability and bold solutions. Here, growth isn’t just a goal – it’s a way of life for both the organization and every individual on our team. We tackle challenges head-on, learn from every experience and measure our impact on the customers who trust us.

 

Join an award-winning,  equal opportunity employer, where you’ll find more than a job – you’ll find a supportive community. Enjoy competitive benefits, take part in meaningful volunteer projects, and help shape the future alongside talented colleagues across all backgrounds. At Farmers, helping others is at the heart of what we do.

 

Ready to make your mark? Discover our vibrant culture and explore career opportunities at www.Farmers.com/careers/corporate. Connect with us on Instagram, LinkedIn and TikTok, and let’s build something incredible together!

 

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

This position is the technical authority and strategic lead for middle market and complex commercial risks within assigned industry segments. The role is accountable for the profitability, performance, and long‑term health of the portfolio, underwriting the organization’s most complex and highest‑value accounts while shaping underwriting philosophy and risk selection. As a recognized industry expert, this role provides advanced technical leadership and market influence, partnering with agents, field leadership, and enterprise stakeholders to drive disciplined growth, strategic agency engagement, and sustainable portfolio outcomes.

Essential Job Functions

  • Serves as the technical underwriter and recognized subject matter expert for middle market and complex commercial risks, including industry‑specific, multi‑location, and multi‑jurisdictional exposures.
  • Exercises high levels of individual underwriting authority, independently evaluating, pricing, and structuring coverage for the organization’s most complex and highest‑value accounts across multiple lines of business.
  • Owns portfolio‑level results for assigned industry segments, including profitability, growth, retention, pricing adequacy, overall risk mix, and long‑term portfolio health.
  • Interprets and applies complex coverage forms, endorsements, and manuscript language, providing expert guidance on non‑standard and emerging exposures within the assigned segment and influencing underwriting philosophy and risk appetite.
  • Identifies portfolio trends, loss drivers, and emerging risks; develops and recommends action plans to improve results, support disciplined risk selection, and sustain long‑term performance across market cycles.
  • Acts as a trusted advisor to agents and brokers, leading sophisticated underwriting discussions, negotiating terms, positioning underwriting decisions in competitive or challenging market conditions, and influencing strategic agency engagement and relationship outcomes.
  • Partners with underwriting leadership and enterprise stakeholders to develop and execute industry‑specific underwriting strategy, including appetite definition, authority guidelines, risk selection philosophy, and segment‑level strategic positioning.
  • Provides technical leadership and mentorship, collaborating with claims, loss control, actuarial, and marketing partners while representing the underwriting function internally and externally as a recognized industry authority. Performs other duties as assigned.

Education Requirements

  • High School Diploma or equivalent required. Bachelors degree preferred.
  • Professional designations such as CRIS (construction), MRIS (manufacturing and wholesale), CPCU, AU, or ARM, are preferred.

Experience Requirements

  • 10+ years of commercial underwriting experience, with demonstrated experience underwriting complex middle market accounts within an industry segment such as Construction or Manufacturing and Wholesale.

 

Additional Qualification

Demonstrated analytical skills. Demonstrates excellent judgment and decision making skills. Effective negotiation skills. Ability to influence internal and/or external constituents. Effective leadership skills.

Physical Actions

Job is performed in-person at a Farmers office or virtually at an approved alternative work location. The physical work environment is indoors and climate-controlled with adequate lighting and ventilation. Normal and customary distractions include background noise produced by office equipment and chatter among people, as well as interruptions. Frequently sits for prolonged periods of time, up to a full shift. Occasionally moves about the workplace including, navigating stairs, ramps, and level or uneven surfaces. Occasionally moves, pushes, pulls, lifts, carries, and/or places objects or materials weighing up to 25 pounds without assistance. Frequently uses shoulders, arms, hands, and fingers to manipulate equipment, tools, and objects necessary to perform job duties. Frequently performs fine motor tasks such as typing, mousing, or writing, up to a full shift. Rarely performs movements such as bending, stooping, crouching, kneeling, twisting, and reaching overhead or below the knees. Possesses clear vision, with or without correction, to visually read and verify information. Relies on depth perception and peripheral vision to navigate the work environment visually by identifying barriers, changes in terrain and locating objects. Possesses adequate hearing, with or without correction, to communicate with co-workers, respond promptly to auditory signals or alarms, and discern sounds essential for maintaining safety and productivity in the workplace. Jobs in this category require rare, if any, travel.

Benefits

  • Farmers offers a competitive salary commensurate with experience, qualifications and location.
    o CA Only: $102,450 - $174,240
    o CO Only: $96,075 - $150,260 
    o HI/IL/MN/VT Only: $96,075 - $160,710
    o MA Only: $96,075 - $160,710 
  • o MD Only: $96,075 - $160,710
    o DC/NJ/NY/OH Only: $96,075 - $174,240 
             o Albany County, NY/Cleveland, OH: $102,450 - $150,260 
    o WA Only:  $96,075 - $182,625 
  • 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

Apply now »