Commercial Underwriter - Business Owners Insurance Progressive is dedicated to helping employees move forward and live fully in their careers. Your journey has already begun. Apply today and take the first step to Destination: Progress. As an underwriter intermediate or senior for our Business Owners Insurance team, you’ll be responsible for underwriting all major functions within our commercial lines underwriting unit. You’ll set premiums, perform extensive research, and communicate underwriting information to agents and insureds. Additionally, you’ll review, evaluate, and price business by applying sound underwriting judgement and adhering to company policies and state regulations. Duties and responsibilities - Underwrite new and renewal business in addition to processing endorsements, inspection reviews, and premium audits - Manually rate risks while understanding the components that drive price - Train new underwriters on new states, risk types, and complex underwriting issues Must-have qualifications - High school diploma/GED equivalent or higher and a minimum five years relevant commercial lines, insurance industry, and/or underwriting experience. - {OR} Bachelor's degree or higher and a minimum two years relevant commercial lines, insurance industry, and/or underwriting experience. Preferred Skills - Two years of Commercial Lines insurance experience - Two years of Commercial General Liability, Commercial Property, or BOP Underwriting Experience - Chartered Property Casualty Underwriter (CPCU), Certified Insurance Counselor (CIC), or Associate in Commercial Underwriting (AU) designation Schedule: Monday – Friday Compensation - $65,000 - $85,000 annually depending on position level and experience - Gainshare annual cash incentive payment up to 16-24% (depending on position level) of your eligible earnings based on company performance Benefits - 401(k) with dollar-for-dollar company match up to 6% - Medical, dental & vision, including free preventative care - Wellness & mental health programs - Health care flexible spending accounts, health savings accounts, & life insurance - Paid time off, including volunteer time off - Paid & unpaid sick leave where applicable, as well as short & long-term disability - Parental & family leave; military leave & pay - Diverse, inclusive & welcoming culture with Employee Resource Groups - Career development & tuition assistance Equal Opportunity Employer Job Number: 257946 Category: Underwriting Location: United States Remote Type: Remote Job Level: Experienced

• Support underwriting for auto protection products by applying eligibility/rating guidance • Interpret underwriting guidelines and rate/rule logic • Handle exceptions and document decisions for audit/regulatory needs • Collaborate with account reps and implementation/config teams

Role Description Underwrites highly complex individual insurance applications for one or more products by evaluating the insurability of applicants within established guidelines. Complex case work includes: - Large case - Business - Charitable gifting - Estate planning - Other types of advanced sales scenarios - Processing contract changes Reviews risk factors, which include: - Medical and nonmedical history - Financial requirements - Occupational classes (where relevant) - A variety of legal documents supporting the insurance applications Makes final underwriting decisions for all ages and classes within specified dollar limits and according to suitability guidelines and compliance policy. The approval limit for this position is <= $3,000,000 - $5,000,000 if life, maximum of current issue and participation limits if DI. In addition, this individual reviews Waiver and Disability Claims and Rescissions/Reformations. Duties & Responsibilities - Contributes to accurate and consistent risk selection as well as fraud detection. - Ensures high level of customer satisfaction by partnering with financial associates, team members, medical and legal consultants to determine the best possible outcome for members. - Handles complex and sensitive written and verbal communications, often influencing behavior via these communications. - Actively trains and mentors less experienced members of the team, using interpersonal skills to increase effectiveness of ensure working relationships, as well as team performance. - Conducts quality audits on underwriters. - Involved in creating content for field presentations and attending field meetings, as needed. - Decisions are generally case specific and can expose Thrivent Financial up to $5 Million of risk per case. These decisions can be made without others' input, up to their approval limit. - These decisions can set precedents for future underwriting decisions and can expose Thrivent Financial to legal and compliance risks. - Ability to comprehend a variety of medical and financial records to extract and combine relevant pieces of information to form judgment. - High-level decision-making skills. - Well-developed interpersonal skills – written and verbal communication, coaching and negotiation. - Comfort working in a fast-paced, quickly changing and sometimes ambiguous environment. - Public speaking and facilitation skills to provide additional education to the team on a minimum quarterly basis. - Models Thrivent’s leadership competencies – courage, collaboration, and commitment by demonstrating resiliency, working together to make the best decisions, and holding yourself and others accountable. - Supports and/or develops an environment in which Thrivent employees and colleagues are focused on continuous improvement, exceptional employee engagement, and an unwavering commitment to our clients. - Shapes and/or supports a culture that represents the Thrivent purpose, promise, and values, ensuring that Thrivent’s trust and reputation remain strong with its clients. Qualifications - High School Diploma or equivalent required, Bachelor’s Degree preferred - Minimum of 6 years of individual holistic underwriting experience in the insurance industry - Strong customer and team focus - Broad perspective understanding of Thrivent Financial and the financial services industry - Familiarity with reinsurance, contract law, and regulations governing underwriting practices Requirements - Progression or Attainment of FLMI and/or FALU designations preferred Benefits - Various bonuses (including, for example, annual or long-term incentives) - Medical, dental, and vision insurance - Health savings account - Flexible spending account - 401k - Pension - Life and accidental death and dismemberment insurance - Disability insurance - Supplemental protection insurance - 20 days of Paid Time Off each year - Sick and Safe Time - 10 paid company holidays - Volunteer Time Off - Paid parental leave - EAP - Well-being benefits - Other employee benefits

Role Description The future is bright for the Porch Group, and we’d love for you to be a part of it as our Underwriter Technician. An Underwriting Technician provides high-level support to the underwriting team. Under general supervision, they are responsible for the timely and accurate processing of low-complexity quotes, endorsements, inspections, renewals, reinstatements, cancellations, underwriting claim referrals, and agent/insured correspondence. They are responsible for making decisions that adhere to the company’s underwriting criteria and support organizational growth and profit objectives. In addition, they build strong agency relationships, make timely and appropriate decisions, and provide excellent service to all customers. What You Will Do As An Underwriter Technician: - Perform a combination of duties in accordance with departmental guidelines; these are both routine and non-routine tasks. - Work with guidance while having the ability to work within designated authority and following established procedures, routinely selecting and evaluating the least complex risks. - Maintain an understanding of state guidelines and state-specific forms. - Upon request from underwriters, review underwriting requirements and recommend acceptance or denial utilizing standardized procedures. - Provide assistance and/or training to other Underwriting Technicians. - Use research and analysis to develop practical underwriting solutions consistent with organizational objectives. - Evaluate basic risk characteristics and analyze historical and potential account performance to make sound decisions. - Maintain a basic understanding of personal lines products, coverages, and eligibility. - Assist Underwriters by communicating with agencies on routine matters. - Assist in supporting carrier book rolls. - Identify and analyze accounts and make sound underwriting decisions within assigned authority. - Make efficient and accurate decisions to meet department service standards. - Execute policies and procedures within the assigned authority level. - Consistently demonstrate customer experience standards by responding promptly, maintaining a positive attitude, building rapport, showing empathy, and representing Porch Values. - Recommend solutions to assigned Underwriters for risks outside authority level. - Perform special projects and other duties as assigned. Qualifications - 3+ years' work experience, including some experience in Insurance. - A Bachelor’s degree or equivalent experience. - Knowledge of policy processing procedures and documentation. - Basic knowledge of applicable insurance products. - Proven team member with strong collaboration skills. - Demonstrated experience in exceeding co-worker or customer experience standards, including prompt responses, positive attitude, rapport building, empathy, and representation of Porch values. - Demonstrated competency in performing non-routine tasks while following established procedures and guidelines. - Ability to multitask and solve problems effectively. - Strong oral and written communication skills. - Effective time-management skills. - Self-motivated with a desire to succeed. - Ability to adapt quickly and positively to changes. - Ability to work autonomously with minimal oversight. - Understanding and adherence to compliance and regulatory requirements. - Willingness to perform special projects and other duties as assigned. - Proficiency with Microsoft Office Suite. Requirements - Preferred: 6+ months of underwriting experience. - Basic understanding of personal lines products, coverages, and eligibility requirements. - Knowledge of underwriting requirements and some experience in making recommendations for Underwriters to make acceptance or denial using standardized procedures. - Experience supporting carrier book rolls. Benefits - Pay Range: $25.97 - $34.62 Hourly. - Comprehensive health care benefits including medical, dental, and vision programs with HSA and FSA options. - Life and disability benefits including company-provided and voluntary life and AD&D insurance and short- and long-term disability insurance. - Financial wellness programs including a 401(k) retirement savings plan and dependent care FSA and transportation savings account options. - Wellness programs including paid vacation of 10 days per year, company-paid holidays, paid sick time, paid parental leave, EAP, identity theft program, travel assistance, will preparation, and fitness discounts.