Commercial Lines - Underwriter III - IV, Middle Markets

Make a difference with a career in insurance

At The Cincinnati Insurance Companies, we put people first and apply the Golden Rule to our daily operations. To put this into action, we're looking for extraordinary people to join our talented team. Our service-oriented, ethical, knowledgeable, caring associates are the heart of our vision to be the best company serving independent agents. We help protect families and businesses as they work to prevent or recover from a loss. Share your talents to help us reach for continued success as we bring value to the communities we serve and demonstrate that Actions Speak Louder in Person®.

If you're ready to build productive relationships, collaborate within a diverse team, embrace challenges, and develop your skills, then Cincinnati may be the place for you. We offer career opportunities where you can contribute and grow.

Build your future with us

Our Commercial Lines department is seeking experienced underwriters to manage a book of renewal business in our Middle Markets segment. This position is based at our Headquarters in Fairfield, Ohio. Travel up to 10% expected.

The pay range for this position is $80,000 - $105,000 annually. The pay determination is based on the applicant's education, experience, location, knowledge, skills, and abilities. Eligible associates may also receive an annual cash bonus and stock incentives based on company and individual performance.

Be ready to :

• manage a defined book of commercial business, serving multiple agencies in a specific geographic area
• actively engage with agency and field personnel to ensure collaborative outcomes
• demonstrate an advanced understanding of underwriting concepts and appetite across multiple lines of business
• properly use company and industry resources to underwrite risks on an account level
• appropriately price renewal accounts and anniversary reviews with consideration given to segmentation, net rate and exposure increase targets
• consider risk characteristics, agency performance, market conditions and department initiatives along with guidance from others to support decisions
• follow appropriate line of authority with portfolio underwriter or management involvement and adequately prepare for account summary discussions
• meet department service standards for new business and renewal issuance; respond to inquiries in a timely manner
• effectively research and work to solve problems for internal and external customers
• balance performance goals with profit and growth objectives; review and analyze data to drive value added decisions regarding price, terms, and conditions
• build and maintain agency relationships, choosing the appropriate method of communication and negotiating with a win-win strategy
• travel to visit agencies to further strengthen relationships and communicate company vision
• build and leverage relationships with Headquarters and field associates to add value to the agency experience and to support company goals
• seek opportunities to add to your underwriting knowledge by attending all department training classes and reading all written communication

Be equipped with :

• strong communication skills with the initiative to help others
• ability to build relationships and listen effectively
• business-driven mindset and interest in seeing your work contribute to our company's success
• strong decision-making, analytical and evaluative skills
• focus on details
• organization and time management skills to maximize progress
• ability to thrive in a fast-paced environment

Bring education and experience from :

• 5+ years of multi-line underwriting experience required
• bachelor's degree preferred
• CPCU, AINS or other insurance-related designations preferred

Enhance your talents


Providing outstanding service and developing strong relationships with our independent agents are hallmarks of our company. Whether you have experience from another carrier or you're new to the insurance industry, we promote a lifelong learning approach. Cincinnati provides you with the tools and training to be successful and to become a trusted, respected insurance professional - all while enjoying a meaningful career.


Enjoy benefits and amenities


Your commitment to providing strong service, sharing best practices and creating solutions that impact lives is appreciated. To increase the well-being and satisfaction of our associates, we offer a variety of benefits and amenities.


Embrace a diverse team


As a relationship-based organization, we welcome and value a diverse workforce. We grant equal employment opportunity to all qualified persons without regard to race; creed; color; sex, including sexual orientation, gender identity and transgender status; religion; national origin; age; disability; military service; veteran status; pregnancy; AIDS/HIV or genetic information; or any other basis prohibited by law. All job applicants have rights under Federal Employment Laws. Please review this information to learn more about those rights.