Field Underwriter

For more than 170 years, The Hanover has been committed to delivering on our promises and being there when it matters the most. We live our values every day, demonstrating we CARE through our values, Sustainability initiatives and inclusive corporate culture. The Small Commercial Underwriting department is currently seeking a New Business Underwriter to join our team. This is a full‑time, exempt role. It is eligible for a hybrid or fully remote arrangement. Position Overview Field Underwriters are responsible for driving the growth of Small CL business by underwriting new business across all lines and sizes of POS and Non‑POS accounts within the Small CL definition, building and maintaining strong agency relationships, and partnering with Agency staff and SCSMs. The Field UW works closely with and directs the activities of their UT partner(s) to ensure policies are underwritten efficiently, effectively, and meet service standards and performance goals through first renewal. In This Role You Will Lead the daily triage of new business with UT, including POS business. Assess submissions, categorize, and direct UT on next steps based on assessment and categorization. Provide direction and guidance to UT to properly prepare a new business account, including Quick Declines and how to communicate with agents (e.g., Declination letter or phone call). Collect additional information needed for underwriting analysis. Interact with the agency to gather needed information in an organized manner. Order and analyze necessary reports to perform underwriting analysis. Provide accurate instructions to rating. Prepare and deliver quote proposals to agents and follow up on open quotes. Document underwriting decisions within standards and expectations in Underwriting systems, including ARF and CAAMS. Ensure all submissions are effectively managed to reach decline or quoting status. Determine pricing, coverages, and coverage advantages to highlight in the quoting process; identify cross‑sell opportunities for Specialty businesses on returned accounts. Refer accounts as appropriate for additional authority. Own all aspects of the New Business underwriting process, from acceptability and documentation at inception through validation via other sources, including Loss Control. Respond to back‑end underwriting reviews and new business audits; after these steps, the account responsibility falls to the Portfolio Underwriter, though consultation between Field and Portfolio Underwriter occurs as required. Clearly communicate appetite, declination reasons, and coverage advantages to agents to improve hit ratio. Leverage relationships with agents and SCSMs to identify opportunities to write business. Communicate proactively with agents to convey ownership and service during all interactions, instilling confidence in agents to place new business with The Hanover. Engage in agency travel as needed to build and maintain strong relationships. Partner with internal colleagues—primarily SCSMs, UTs, and Renewal UW colleagues—to effectively communicate difficult messages with agent partners and manage overall agency relationships. Key Measures of Success New Business production (approx. $2 Million annually) UW profitability based on quality of referrals, audits, and achievement of mix goals Service metrics aligned with workflows Agency relationship quality as measured by agency feedback Hit and Yield ratios LOB and class mix targets What You Need to Apply Strong underwriting skill and coverage knowledge; ability to make underwriting decisions on POS and CPP accounts up to $50,000 premium size. Underwriting systems knowledge to document and underwrite accounts within workflow expectations. Ability to manage workload to meet goals and service standards, while following workflow standards. Thorough understanding of Agent partners, including agency personnel, business plans, results with The Hanover across the Franchise, and Hanover’s position with the agency. Sales orientation; able to solicit, qualify, negotiate and close accounts to promote deeper partnership with Agents. Demonstrated commitment to service and partners; high responsiveness—able to build and maintain close working relationships with Agents, UTs, SCSMs, and renewal UWs, demonstrating strong relationship building, teamwork, and collaboration skills. Able to understand and execute strategic priorities (e.g., mix targets, CAT strategy, pricing strategy, agent strategy). Knowledge of competition and current marketplace; apply to all aspects of performing the role. Excellent time management skills, responsiveness, and willingness to bring appropriate level of underwriting to each opportunity, ranging from exception‑only underwriting on the small BOP to more thorough reviews on larger or more complex accounts. Above‑average verbal and written communications skills. Achievement orientation—must understand Small CL goals and strategies (often changing) and execute on them effectively and have a positive track record of achievement. Career Development It’s not just a job, it’s a career, and we are here to support you every step of the way. We want you to be successful and fulfilled. Through on‑the‑job experiences, personalized coaching, and our robust learning and development programs, we encourage you—at every level—to grow and develop. Benefits We offer comprehensive benefits to help you be healthy, build financial security, and balance work and home life. At The Hanover, you’ll enjoy what you do and have the support you need to succeed. Medical, dental, vision, life, and disability insurance 401K with a company match Tuition reimbursement PTO Company paid holidays Flexible work arrangements Cultural Awareness Day in support of IDE On‑site medical/wellness center (Worcester only) Click here for the full list of Benefits EEO Statement The Hanover values diversity in the workplace and among our customers. The company provides equal opportunity for employment and promotion to all qualified employees and applicants on the basis of experience, training, education, and ability to do the available work without regard to race, religion, color, age, sex/gender, sexual orientation, national origin, gender identity, disability, marital status, veteran status, genetic information, ancestry or any other status protected by law. Furthermore, The Hanover Insurance Group is committed to providing an equal opportunity workplace that is free of discrimination and harassment based on national origin, race, color, religion, gender, ancestry, age, sexual orientation, gender identity, disability, marital status, veteran status, genetic information or any other status protected by law. As an equal opportunity employer, The Hanover does not discriminate against qualified individuals with disabilities. Individuals with disabilities who wish to request a reasonable accommodation to participate in the job application or interview process, or to perform essential job functions, should contact us at View email address on click.appcast.io and include the link of the job posting in which you are interested. Privacy Policy To view our privacy policy and online privacy statement, click here. Applicants who are California residents To see the types of information we may collect from applicants and employees and how we use it, click here. Compensation The target hiring range for this role may vary based on geographic location and other factors, including merit or performance, demonstrated proficiency, skills for the role, education, travel requirements, and experience. Additional compensation may include an annual bonus (which could take the form of a general bonus, sales incentive, or short‑term incentive), long‑term incentive, or spot recognition awards. The posted range reflects our ability to hire at different position titles and levels depending on background and experience. #J-18808-Ljbffr