Remote Commercial Insurance Underwriter

A Territory Underwriter - Commercial evaluates and underwrites Commercial surety bonds submitted to the Company within established parameters and guidelines, contributes to a profitable surety operation and to the marketing of other lines of business.

Underwriting Analysis & Documentation

Determines the acceptability of surety risks, based on the Merchant’s guidelines and marketing strategy. Operates within the authority established by the Senior Vice President - Commercial Underwriting.

Reviews new submissions and analyzes financial statements, applications, court documents, bond forms, statutes, and indemnity agreements to determine the commercial surety risk and then approves or denies the bond based on the risk analysis up to the authority granted. Obtains information in order to evaluate and properly evaluate the risk.

Reviews underwriting files at renewal for the purpose of analyzing risk and determining whether to renew or deny the bond(s).

Documents commercial underwriting files and principal files with notes and supporting documentation to detail the underwriting decision.

Marketing & Relationship Building

Maintains positive relationships with existing agencies, including regular on‑site visits. Solicits feedback regarding our service levels and performance.

Maintains current account and relationship information. Follows up on leads for commercial bonding opportunities for the purpose of generating written premium.

Effectively utilizes marketing materials in presentations, proposals, and other marketing efforts.

Adjusts forms, opinions, rate cards and materials to reflect legislative changes.

Bachelor’s degree or equivalent work experience in business, underwriting, insurance, or a related field, plus 3‑5 years of experience in bond underwriting or a similar role in the Surety industry. Coursework in math, statistics, and financial analysis would be helpful.

Flexible hybrid and remote opportunities with 37.5 hour work week

Free health insurance option

For nearly a century, Merchants Bonding Company has focused almost exclusively on surety, delivering common‑sense underwriting and first‑class experiences to agents, accounts, and associates across the country. Merchants stands apart from multi‑line carriers by offering deep surety expertise, a flexible approach, and strong financials that instill confidence and foster lasting partnerships.

Our people-first culture is built on collaboration, inclusion, and shared success. We’re committed to helping associates grow through real opportunities for advancement, while supporting a sense of belonging.