Underwriter

About Us

At Selective, we don't just insure uniquely, we employ uniqueness.

Selective is a midsized U.S. domestic property and casualty insurance company with a history of strong, consistent financial performance for nearly 100 years. Selective's unique position as both a leading insurance group and an employer of choice is recognized in a wide variety of awards and honors, including listing in Forbes Best Midsize Employers in 2025 and certification as a Great Place to Work in 2025 for the sixth consecutive year.

Employees are empowered and encouraged to Be Uniquely You by being their true, unique selves and contributing their diverse talents, experiences, and perspectives to our shared success. Together, we are a high-performing team working to serve our customers responsibly by helping to mitigate loss, keep them safe, and restore their lives and businesses after an insured loss occurs. Overview

Underwrites renewal business, working independently within a letter of authority issued by the Underwriting Manager on assignments of varying complexity, hazard grade and premium. Handles the daily service demands of our agents in support of individual and team goals, with a thorough understanding of coverage, products, underwriting system transactions, and State specific LOB filings. Coaches and mentors new and less experienced peers. All job duties and responsibilities must be carried out in compliance with applicable legal and regulatory requirements.

Responsibilities

• Underwrite and process assigned renewal policies, which includes applying knowledge of coverage forms, rating plans and guidelines in the selection and pricing of individual risks, change requests, and open communication with internal and external customers. Ensure adequate pricing of individual risks through proper classification, Knowledge Management/Predictive Modeling, accuracy of information and adherence to company underwriting standards and philosophy. Refer all accounts outside authority level to the appropriate level.
• Respond to agents' inquiries on coverage and adjust policy information based upon prescribed authority.
• Work within specific level authority to quote, accept, decline, modify and renew risks within territorial assignment in accordance with accepted underwriting guidelines. Work in collaboration with Agents, AMS, team members and other departments to grow and maintain a profitable book of business.
• Provide guidance to internal and external customers regarding various underwriting information. Independently and effectively communicate underwriting decisions and appetite at the individual account and portfolio level to internal and external customers. Reinforce the ease of doing business with Selective by meeting or exceeding customers' expectations and service quality on a consistent basis.
• Develop and maintain highly effective working relationships with internal and external customers, peers and management. Conduct agency visits. Communicate openly and in a timely fashion. Work diligently to achieve individual and team goals. Support all team decisions.
• Conduct continuous profit and growth analysis by territory and agency as assigned. Monitor premium retention with the use of electronic reporting tools. Increase renewal premium by cross-selling additional coverage, products or value-added services.
• May train less experienced underwriters. Provide CLAS coverage and system training to both internal & external customers. May provide line of business or product expertise to the department.
• Participate in or lead projects and initiatives. Actively support continuous improvement.
• Engage in ongoing development of technical skills and knowledge of Selective's products and services.
• Must have a valid license and be able to drive an automobile to support company travel within territory. Car travel represents less than 5% of employee's time.

Qualifications

Knowledge and Requirements

• Highly proficient written and verbal communication skills.
• Highly effective influencing and negotiation skills.
• Highly proficient ability to solve problems and make sound decisions.
• Highly proficient ability to multi-task and manage workflows to meet and exceed production and service expectations.
• Ability to effectively coach and mentor.
• Highly effective ability to develop relationships with internal and external customers/peers.
• Demonstrated proficiency in use of all supplied desktop tools, including the automated underwriting and email systems.
• Must have valid state-issued driver's license in good standing.

Education and Experience

• College degree preferred.
• 3-5 years of commercial underwriting experience preferred.
• Completion of INS; AU; or completion or pursuit of CIC; or CPCU strongly preferred.

Total Rewards

Selective Insurance offers a total rewards package that includes a competitive base salary, incentive plan eligibility at all levels, and a wide array of benefits designed to help you and your family stay healthy, achieve your financial goals, and balance the demands of your work and personal life. These benefits include comprehensive health care plans, retirement savings plan with company match, discounted Employee Stock Purchase Program, tuition assistance and reimbursement programs, and 20 days of paid time off. Additional details about our total rewards package can be found by visiting our benefits page.

The actual base salary is based on geographic location, and the range is representative of salaries for this role throughout Selective's footprint. Additional considerations include relevant education, qualifications, experience, skills, performance, and business needs. Pay Range

USD $79,000.00 - USD $103,000.00 /Yr.
Additional Information

Selective is an Equal Employment Opportunity employer. That means we respect and value every individual's unique opinions, beliefs, abilities, and perspectives. We are committed to promoting a welcoming culture that celebrates diverse talent, individual identity, different points of view and experiences - and empowers employees to contribute new ideas that support our continued and growing success. Building a highly engaged team is one of our core strategic imperatives, which we believe is enhanced by diversity, equity, and inclusion. We expect and encourage all employees and all of our business partners to embrace, practice, and monitor the attitudes, values, and goals of acceptance; address biases; and foster diversity of viewpoints and opinions.

For Massachusetts Applicants

It is unlawful in Massachusetts to require or administer a lie detector test as a condition of employment or continued employment. An employer who violates this law shall be subject to criminal penalties and civil liability.