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Senior Commercial Underwriter


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 or Remote

( #LI-Hybrid ), ( #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

  • Senior level underwriter with advanced underwriting skills authorized to handle a wide variety of risks, premium size, and complexity typically within a dedicated state, territory, agency or exposure.
  • Takes ownership of managing profitable growth of commercial Property/Casualty and Workers Compensation business through proper selection, classification and pricing of risks within assigned territory/industry.

Essential Job Functions

  • Accepts, modifies or rejects larger premium, complex risks up to $100,000.
  • Reviews business relating to loss experience, inspection reports, file information, policyholder tenure, related policies, and nature of risk in accordance with company guidelines, standards and compliance with state laws.
  • Provides documentation for any exceptions and critical account information relating to the final underwriting decision.
  • Verifies coverage eligibility. Interprets policy contract language and uses approved classification systems, rating plans and selection standards to determine eligibility, desirability and proper pricing. Evaluates unprofitable books of business, agents or districts and analyzes competitive information to provide recommendations to product development.
  • Advises leadership of weakness in coverage and products that are impacting growth potential.
  • Assists in developing plans to improve profitability.
  • Evaluates and handles reinstatement policies to determine eligibility.
  • Provides technical assistance to customers regarding coverage interpretations, policy and endorsement provisions, and underwriting acceptability for coverage.
  • Evaluates new business and re-evaluates existing policies to enhance the quality and maintain proper rate class administration to fund losses and contribute to profitability.
  • Reviews transactions and processes referrals not within the authority of other team members.
  • Provides support in a mentoring role to others, providing underwriting philosophy, guidance and training on transactions that exceed team member authority levels. Utilizes advanced level competency to educate VIP agencies on products, services, automation, and underwriting standards as well as sales and cross selling techniques to promote accomplishment of our corporate goals.
  • Builds and maintains collaborative relationships with agencies to further understand the external marketplace and underwrites within established performance standards and priorities that are responsive to marketing, underwriting, retention and service goals.
  • Conducts regular field visits to create new business opportunities. Participates in territory rate review meetings and state strategy calls, providing insight and recommendations to address rate need and rate fatigue, where appropriate.
  • May conduct Team Underwriting Reviews (TURs) to ensure quality and appropriate discretionary pricing.
  • Manages territory CAT exposures to wildfire, wind-hail, and other catastrophe exposures. Entrusted with increased authority to make decisions on high risk properties and assist their leadership team with the territory CAT management strategy.
  • 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

  • Experience commercial multi-line underwriting.


  • 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 - AL, US - MI, US - KS, US - TX, US - AZ, US - MO, US - GA, US - OK, US - MN, US - NJ, US - WI, US - IA, US - IN, US - MD, US - UT, US - AR, US - NE, US - NM, US - SD, US - TN, US - MT, US - WY

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.

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