Title: Commercial Lines Underwriter locations Marion, IN time type Full time Job Description: A career at Auto-Owners is challenging and rewarding. Our group of caring associates create financial security by helping individuals and businesses make a new start when a loss occurs. We offer a merit-based work-from-home program based on job responsibilities. After initial training in-person, this specific role could have the flexibility to work from home up to 3 days per week. Auto-Owners Insurance, a top-rated insurance carrier, is seeking a motivated underwriting trainee to join our team. This job performs and applies insurance coverage, rules and guidelines to execute the underwriting decision-making process according to Company underwriting philosophy. This job includes training and development through completion of the Company's underwriter training program for the assigned line of insurance and requires the person to: - Learn various insurance coverages and contracts along with company philosophy and procedures, in order to make underwriting decisions - Read, interpret, and react to documents such as policies, manuals, forms, and endorsements to understand their meaning and use - Assemble information, develop opinions, and clearly express decisions using sound reasoning and judgment - Analyze loss experience, financial conditions and physical characteristics of risks - Acquire a working knowledge of supporting sections of the underwriting department - Effectively communicate with independent agents and other associates through verbal and/or written means - Participate in and successfully complete the Company underwriter training program Desired Skills & Experience - Bachelor's degree or direct equivalent experience with property/casualty underwriting - Ability to organize data, multi-task and make decisions independently - Above average communication skills (written and verbal) - Ability to write reports and compose correspondence - Ability to resolve complex issues - Continually develop product knowledge through participation in approved educational programs Benefits Auto-Owners offers a wide range of career opportunities, and we are seeking talent that will help us continue our long tradition of success. We offer a friendly work environment, structured training program, employee mentoring and an excellent compensation/benefits package. Along with a competitive base salary, matched 401(k), fully-funded pension plan (once vested), and bonus programs, Auto-Owners also provides generous paid time off including holidays, vacation days, personal time, and sick leave. If you're looking to do rewarding work alongside great people, Auto-Owners is the place for you! Equal Employment Opportunity Auto-Owners Insurance is an equal opportunity employer. The Company hires, transfers, and promotes on the basis of ability, without consideration of disability, age, sex, race, color, religion, height, weight, marital status, sexual orientation, gender identity or national origin, or any factor contrary to federal, state or local law. - Please note that the ability to work in the U.S. without current or future sponsorship is a requirement. #LI-BK1 #LI-Hybrid

• Selects, grows and maintains a profitable book of business for assigned high-volume territory with a high level of underwriting authority • Evaluates highly complex accounts, such as different business operations, multiple lines of business or special pricing requirements, for risk selection and pricing purposes • Analyzes exposure, company and branch risk appetite, account premium and loss history, financial data, line(s) of business, price guidance, motor vehicle records, online sources of information, reports from premium audit or risk improvement and other relevant information to underwrite policies • Offers appropriate coverage for exposures • Maintains proper file documentation in connection with accounts • Develops and fosters agency relationships • Educates agents on EMC products, underwriting appetite, systems and services • Visits agencies to discuss accounts and provide agents with updates at EMC in order to maximize opportunities • Coordinates with marketing and branch management in the agency planning and review processes • Serves as a mentor for less experienced underwriters • Answers questions, shares recommendations for complex situations, such as difficult accounts, communication strategies or problematic agency relationships and explains the rationale for recommendations

• Assess and price endorsements, renewals, and new business according to guidelines and authority • Provide customer service by responding promptly and courteously to all requests for information • Ensure timely and accurate preparation and issuance of policies • Effectively communicate company standards, mission, underwriting guidelines, and requirements to brokers • Order/review inspection reports to assess risk quality and confirm exposure base accuracy • Actively manage relationships with assigned brokers and agents

Role Description CSU Producer Resources Inc. seeks an experienced Excess and Surplus Lines property underwriter for its contract binding division. This role will work closely with underwriting, agents/producers, actuarial and loss control to maximize the profitable growth potential in this space. If the candidate is not located in proximity to our Headquarters in Fairfield, OH, this role would be a remote position. Starting pay: The pay range for this position is $75,000 - $125,000 annually. Pay is based on the applicant’s education, experience, location, knowledge, skills and abilities. Eligible associates may also receive an annual cash bonus and stock incentives based on company and individual performance. - Underwrite, price and negotiate individual excess and surplus commercial property risks to determine risk acceptability, pricing, coverages, terms and conditions within company guidelines. - Analyze loss control reports, loss experience and other underwriting tools and resources to make informed individual risk selections. - Develop and maintain new and existing relationships with producers and agencies. - Work with internal department staff on the development, refresh and/or maintenance of property line coverage forms, rating methodology and underwriting guidelines. - Monitor product results to develop ideas and marketing plans to increase productivity and profitability. - Maintain high service standards and conduct marketing visits in conjunction with underwriters and admitted lines counterparts. - Work collaboratively and independently with a high level of authority and judgment. - Collaborate with relevant underwriting teams to ensure proper placement of risks and communication on market and agency trends. - Evaluate competitive intelligence and emerging trends to proactively recommend product property product solutions. - Drive select product initiatives from concept through implementation, with increasing ownership over time. - Monitor production results, rate adequacy and profitability of property book. Qualifications - Proficiency in Microsoft® Word, Excel, PowerPoint and Outlook. - Strong organizational skills. - Developed verbal and written communication skills. - A strategic thinking mindset with a professional business acumen. Requirements - Five or more years of commercial lines property underwriting experience with an emphasis on higher hazard or unique commercial property risks. - A bachelor’s degree (or commensurate work experience). - Previous experience underwriting coastal CAT property (preferred). - Experience with individual risk selection, pricing and portfolio management. - An ASLI or CPCU designation (preferred). Benefits - Variety of benefits and amenities to increase the well-being and satisfaction of our associates.