Field Underwriter Life Insurance (Remote)

Our Small Commercial Underwriting department is currently seeking a New Business Underwriter to join our team.

This is a full time, exempt role. This role is eligible for a hybrid or fully remote arrangement.

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 Small CL definition, and building and maintaining strong agency relationships, partnering with Agency staff and SCSMs. The Field UW should work closely with and direct the activities of their UT partner(s), following established workflows, to ensure all policies are underwritten in the most efficient and effective manner while meeting service standards and performance goals, up through first renewal.

Provide direction and guidance to UT to properly prepare a new business account including Quick Declines and how to communicate with Agent (ex. Declination letter or phone call)

Collect additional information needed for underwriting analysis.

Order and analyze necessary reports to perform underwriting analysis.

Document underwriting decisions within standards and expectations in Underwriting systems, including ARF and CAAMS.

Determine the pricing, coverages, including coverage advantages to highlight in the quoting process, account rounding opportunity, and identify cross-sell opportunity for Specialty businesses on accounts being quoted.

Refer accounts as appropriate if additional authority is required.

Own all aspects of the New Business underwriting process including acceptability and documentation at inception as well as subsequent validation through other sources including Loss Control.

Underwriter is responsible for reviewing and responding to back-end underwriting reviews and new business audits. After these steps, the account responsibility falls to the Portfolio underwriter, although consultation between Field and Portfolio Underwriter is expected as required.

Leverage relationships with Agents and SCSMS to identify opportunities to help write business.

Engage in agency travel as needed to build and maintain strong relationships.

UW profitability based on quality of referrals, quality of audits/ file reviews, and achievement of mix goals

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

Thorough understanding of Agent partners, including agency personnel, agency business plan and results with The Hanover across the Franchise, Hanover's position with the agency, etc.,

able to solicit, qualify, negotiate and close accounts in a manner that promotes deeper partnership with Agents.

high level of responsiveness- Able to build and maintain close working relationships with Agents, UTs, SCSMs, and renewal UWs, demonstrating strong relationship building, teamwork and collaboration skills

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 review on the larger or more complex accounts

Through on-the-job experiences, personalized coaching and our robust learning and development programs, we encourage you - at every level - to grow and develop.

We offer comprehensive benefits to help you be healthy, build financial security, and balance work and home life. Medical, dental, vision, life, and disability insurance

Tuition reimbursement

Company paid holidays

Flexible work arrangements

On-site medical/wellness center (Worcester only)

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 Policy:

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Applicants who are California residents:

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.