Underwriting Specialist Technology, Small Commercial Lines

Job ID: 47850Req ID: 20147Location: Worcester, MA, USAPay: USD 100000 - 130000 (Salary)Posted: 2026-09-28Job Family: UW - CL Tech/Life SciJob Function: UnderwritingPay Type: Salary 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 . Our Technology and Life Sciences Underwriting team is seeking an experienced Small Commercial Lines Technology Underwriter to join our growing team in Massachusetts and New York. This is a full-time, exempt position with flexibility to work in a hybrid or fully remote arrangement. Position Overview/Summary: Responsible for identifying, soliciting, underwriting and selling new and renewal Technology accounts that drive profitable growth and align with Technology’s appetite and mix goals. Apply technical, sales and analytical skills to provide insurance solutions that help Hanover’s customers manage risk. Demonstrates a thorough understanding of Hanover’s strategies and appetites and will use internal and external data to make appropriate individual and portfolio risk decisions. Serves as a resource and advisor to core underwriters, helping them understand technology risk appetite and assess liability, professional, and cyber exposures. Operates with limited daily supervision, seeks technical direction for matters outside one’s authority and general expertise. Operates within a standard letter of authority for all underwriting decisions while managing a book of business, generally with moderate technical complexity and coordination. Responsibilities/Essential Functions: Employees are expected to meet the essential functions of their role, including maintaining regular, predictable and reliable attendance and adhering to their assigned work schedules. Onsite attendance requirements may vary by position and are subject to change based on business needs consistent with applicable law. Communicate effectively with internal and external stakeholders using appropriate channels, including phone, email, teams, and in person interactions as required. Ability to maintain sound judgement and attention to detail while managing multiple priorities under pressure in a fast-paced environment. The company will provide reasonable accommodations to enable employees to perform the essential functions of the role, consistent with applicable law. Technical Underwriting Apply underwriting concepts including risk selection, hazard identification, coverage implications, and loss analysis. Utilize underwriting tools and adhere to guidelines to ensure compliance and profitability. Understand pricing components and rating methodology; correlate pricing to exposure, financial analysis, and competitive positioning. Ask critical questions to uncover full scope of operations and exposures when presented with limited information. Complete file documentation per best practices and regulatory requirements; clearly articulate account decisions. Follow CAT guidelines and maintain underwriting discipline to minimize exposure and appropriately price risks. Provide accurate rating instructions for quotes prior to proposal generation. Able to underwrite and price Technology specialty coverages such as products, professional, and cyber liability with some guidance on more complex exposures. Portfolio Management & Financial Acumen Manage assigned portfolio to achieve goals for premium, profitability, retention, industry mix, and new business. Analyze financial reports and insurance performance metrics (e.g., OBIEE) to inform risk management decisions. Understand market factors impacting pricing, including distribution channels, competition, growth strategies, regulation, and reinsurance costs. Prepare and review adverse underwriting decisions, rate appeals, and declinations to drive results within territory. Sales Acumen & Customer Advocacy Identify, solicit, pipeline, negotiate, and close accounts aligned with Technology and branch strategies. Profile agency partners and strategically market capabilities to agents. Maintain current knowledge of state/territory regulations and trends; leverage market intelligence to strengthen agent relationships. Build trust and secure commitments through effective relationship management and negotiation. Operate with a franchise perspective to identify cross-sell opportunities and partner with other business units for comprehensive solutions. Demonstrate deep knowledge of Hanover’s products and appetite; communicate effectively at point of sale. Execute rigorous sales practices using Salesforce and other tools; adhere to sales best practices. Deliver impactful sales presentations to agents and customers; leverage Industry Solutions partners for enhanced knowledge transfer. Collaborate with Claims, Risk Solutions, and Operations to showcase service and technical expertise. Develop and implement Territory Business Plans for agency partners. Work Location and Arrangement Work location (remote, hybrid, or onsite) is determined by the Company based on role requirements and business needs and may be modified at the Company’s discretion. Certain roles require the ability to perform job duties onsite, including reporting to designated Hanover offices and attending in‑person meetings, training, or other work‑related activities, as required by business needs. Travel may be required based on business needs and may vary depending on role demands. Flexible work arrangements are guided by the Company’s Flexible Work Arrangement Policy. Essential Skills and Experience: Education: Bachelor’s degree or equivalent experience. Experience: 3–7+ years in standard commercial lines underwriting; experience with accounts $100K+ preferred. Technical Skills: Strong knowledge of underwriting principles, pricing methodology, and risk assessment. Communication: Exceptional verbal, written, and presentation skills; ability to consult effectively with internal and external stakeholders. Negotiation & Judgment: Skilled in exercising sound judgment, negotiating effectively, and making informed business decisions. Adaptability: Ability to learn quickly, adapt to change, and manage multiple priorities in a fast-paced environment. Collaboration: Strong team orientation; fosters inclusion and respect for diverse perspectives. Organizational Skills: Proficient in prioritization, desk management, and meeting deadlines. Technology: Proficiency in underwriting systems/tools. 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. Benefits include: 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, 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, please 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.