Territory Underwriter - Commercial & Farm

Job Description

Job Description

Are you an experienced underwriter who thrives in the field, values strong partnerships, and takes pride in making thoughtful, data-driven decisions? At Rural Mutual Insurance, we're seeking a detail-oriented and relationship-driven Territory Insurance Underwriter to support our captive agents and business policyholders. In this role, you'll balance time between fieldwork and your home office, evaluating risk and making sound underwriting decisions while partnering closely with our agents. This salaried position offers flexibility, a company car, laptop, and smartphone. It's perfect for someone who enjoys analytical work and strong interpersonal collaboration. The position serves Northeast Wisconsin.  

At Rural Mutual Insurance, you'll find a supportive environment where professional growth is nurtured. We're committed to a healthy work/life balance, reflected in our competitive compensation package that includes health, dental, life, LTD, and vision insurance, an employee bonus plan, a matching 401(k) plan, and generous time-off benefits. We pride ourselves on putting people first and fostering a rewarding career. Join us and make a meaningful impact in the insurance industry in Wisconsin.

$65,000 - $85,000 yearly

• Evaluate farm and commercial risks for  acceptance, modification, or declination in alignment with company  underwriting guidelines and assigned  authority . 
• Conduct onsite inspections of prospects and insureds, assessing  operations, exposures, and risk controls ; provide  clear, actionable risk‑management guidance to agents and policyholders. 
• Prepare complete underwriting instructions to support accurate  rating, pricing, and issuance of new policies. 
• Apply and justify Individual Rate Modifications (IRM)for farm and commercial policies (excluding Workers’ Compensation). 
• Build strong agent partnerships by offering guidance on  eligibility ,  coverage options ,  risk improvement , and  underwriting expectations . 
• Participate in agent training sessions to support  product knowledge ,  risk evaluation skills , and  documentation standards . 
• Manage a structured weekly schedule of field visits, balancing  travel with in-office time for reporting, underwriting analysis, and communication with agents and home office teams. 
• Maintain accurate, timely documentation of underwriting decisions, inspection findings, and communications. 
• Ensure compliance with company policies, departmental procedures, and all applicable  regulatory requirements . 
• Perform related duties as needed to support overall departmental goals. 

• Minimum of three (3) years of property and casualty underwriting experience. 
• Agriculture or agribusiness knowledge strongly preferred. 
• Bachelor’s degree in Business Administration, Risk Management & Insurance, Agribusiness, or equivalent educational and/or work experience preferred. 
• Progress toward professional insurance designations such as  CPCU, AFIS, AU , or similar is beneficial. 
• Demonstrates strong  analytical and  decision‑making skills, especially when evaluating diverse commercial and agricultural operations. 
• Builds trust through  honesty, professionalism, and integrity . 
• Thrives when working  independently in a field‑based environment while collaborating effectively with internal teams and agents. 
• Approaches challenges with  initiative, urgency, and high energy . 
• Possesses excellent  communication and  interpersonal skills, with the ability to explain technical concepts clearly. 
• Maintains a  customer‑focused mindset , delivering positive experiences to agents and policyholders. 
• Shows strong  organizational and  time‑management abilities, including managing travel, documentation, and competing priorities. 
• Is proficient with  Microsoft 365 , underwriting platforms, and digital reporting tools. 
• Bilingual abilities (e.g.,  Spanish, Hmong ) are a plus. 
• Ability to travel within assigned territory;  valid driver’s license required . 
• Must be able to  walk on farms, commercial properties, and uneven terrain during onsite inspections. 
• Must be able to  communicate clearly in person, by phone, and in writing. 

What You'll Love About Rural Mutual Insurance:

We are a leading property and casualty insurance company based in Wisconsin, well known for our financial strength and longevity in the insurance industry. Our reputation in the marketplace ensures stability and opens up numerous growth opportunities for our employees.

We created a welcoming place to work with friendly and professional leadership. We are known for the great care we take with our staff, our agents, and our customers. We are passionate and determined about delivering the best customer service, preserving insurance industry knowledge, and making a difference through the work that we do.

We believe in a healthy work/life balance and, to that end, offer a competitive and comprehensive compensation package including health, dental, life, LTD, and vision insurance as well as an employee bonus plan, matching 401(k) plan, and generous time off benefits.