Underwriting Specialist - Specialty Human Services

Be Here. Be Great. Working for a leader in the insurance industry means opportunity for you. Great American Insurance Group's member companies are subsidiaries of American Financial Group. We combine a "small company" culture where your ideas will be heard with "big company" expertise to help you succeed. With over 30 specialty and property and casualty operations, there are always opportunities here to learn and grow.

At Great American, we value and recognize the benefits derived when people with different backgrounds and experiences work together to achieve business results. Our goal is to create a workplace where all employees feel included, empowered, and enabled to perform at their best.

For more than 35 years, Great American's Specialty Human Services Division has provided insurance solutions to the human and social service marketplace. The division is one of the first insurance companies to recognize the special needs of these organizations. Over the years, coverage and services have expanded to ensure expertise to meet the evolving needs of this marketplace.

Our Specialty Human Services Division is seeking an Underwriting Specialist or Senior Underwriting Specialist to join their team. This role is responsible for supporting the Midwest territory (Ohio, Michigan, Indiana, and Kentucky). This is a key underwriting territory that serves the division's home office location, making it a highly visible and strategically important book of business. Job title and job grade will depend on the successful applicant's level of experience. This position will be based in our Cincinnati, OH headquarters. Great American's culture is built on connection, shared learning, and strong relationships. To support this, employees in this role are expected to be on-site four days a week, with the flexibility to work one day remotely. Core in-office days are Tuesday-Thursday, with the fourth day determined by business needs.

Essential Job Functions and Responsibilities

• Evaluates and underwrites new and renewal business in accordance with Company underwriting guidelines and risk appetite.
• Analyzes risk data to make informed decisions on coverage, pricing, and terms.
• Collaborates with actuaries, agents, brokers, and clients to obtain necessary information and clarify details.
• Orders and reviews additional reports and screens, such as motor vehicle reports, loss history reports, outside inspections, etc., to inform decisions.
• Ensures proper documentation of underwriting decisions and compliance with state and federal insurance regulations.
• Evaluates existing policies for potential renewal or modification.
• Communicates underwriting decisions clearly and effectively to internal teams, agents, and brokers.
• Stays updated on industry trends, regulatory changes, and market conditions.
• Develops and maintains effective business relationships with internal and external customers/coworkers, focusing on generating new business and retaining profitable business.
• Interprets, explains, and markets products and services.
• Performs other duties as assigned.

Job Requirements

• Bachelor's Degree in Business, Economics, Risk Management and Insurance, or a related field or equivalent experience.
• Generally, a minimum of 9 years of experience in Underwriting or a related field. Completion of or continuing progress toward a professional designation preferred, such as Associate in Underwriting (AU), Chartered Property Casualty Underwriter (CPCU), Certified Insurance Counselor (CIC), Program in General Insurance (INS), or Associate of Risk Management (ARM).
• Excellent interpersonal and communication skills. Demonstrates strong analytical skills with attention to detail.
• Position requires occasional travel.

Business Unit:
Specialty Human Services

Benefits:

We offer competitive benefits packages for full-time and part-time employees*. Full-time employees have access to medical, dental, and vision coverage, wellness plans, parental leave, adoption assistance, and tuition reimbursement. Full-time and eligible part-time employees also enjoy Paid Time Off and paid holidays, a 401(k) plan with company match, an employee stock purchase plan, and commuter benefits.

Compensation varies by role, level, and location and is influenced by skills, experience, and business needs. Your recruiter will provide details about benefits and specific compensation ranges during the hiring process. Learn more at

*Excludes seasonal employees and interns.