EMC Insurance Companies

Underwriter

• Serves as assigned line of business subject matter expert to provide strategic direction enterprise wide
• Develops line of business strategies and plans, and ensures successful implementation enterprise wide
• Leads the administration and development of products and programs for assigned line of business
• Leads the process of the developing of short- and long-term strategic product and underwriting strategies within LOB in support of enterprise-wide business and profitability goals
• Maintains primary oversight of the profit and loss for assigned LOB
• Develops and maintains the business plan for assigned LOB
• Analyzes premium and loss data and other key reports on monthly and quarterly basis to ensure long-term profitable growth
• Analyzes underwriting and loss results and determines underlying trends that impact results
• Recommends actions to drive profitable growth
• Analyzes for profit and loss for assigned LOB
• Develops new product ideas, reviews existing products, and drafts new coverage language
• Leads and coordinates marketing of designed products
• Creates, maintains, and communicates best practices and underwriting guidance to all of EMC
• Acts as a strategic partner for branches and other corporate departments on LOB questions
• Proactively communicates and makes recommendations to management for improvements needed to meet company goals and improve underwriting results
• Evaluates the cost and benefit of market opportunities and product initiatives and recommends actions based on evaluation, including identifying product improvements for complex products
• Provides analysis for state and countrywide rate reviews as well as to aid branch partners in efforts at profitability improvement and profitable production by providing recommendations and support to drive profitable growth
• Reviews insurance publications and keeps current on issues by attending seminars and participating in continuing education
• Represents Corporate Underwriting and EMC on various committees and events as appropriate and approved
• Reviews and studies proposed changes in rules, rates, and forms for assigned LOBs for both EMC proprietary and those controlled by ISO or other bureaus
• Prepares any necessary changes and new information for company manuals, bureau and proprietary policy forms and statistical coding
• Assesses the impact of proposed changes and determines the need for and timing of filings
• Prepares documentation needed to obtain approval and makes recommendations for needed action
• Writes and prepares new proprietary endorsements as needed
• Coordinates with other corporate office departments to implement and communicate changes and impacts
• Serves as assigned LOB subject matter expert by researching and reviewing state regulations, coverages, operational processes, underwriting criteria and system application and tools
• Serves on special projects with other strategic partners within the organization as a representative of assigned LOB
• Provides evaluation and input regarding effectiveness of departmental projects
• Works with third party vendors and manages consultant relationships with internal partners to integrate products based on enterprise needs
• Participates in the creation and execution of marketing material and strategies
• Partners with and provides underwriting expertise to departments within the company
• Initiates and assists in the preparation of underwriting workshops and seminars for underwriting branch team members
• Acts as a speaker or instructor for internal training exercises or meetings, and provides input or prepares articles, white papers, and underwriting bulletins on the most complex issues
• Partners with COUW Business Segment team on most complex and larger accounts that may be outside of their LOB authority
• Assesses coverage, limits, and pricing on complex accounts and provides branches with authorizations on accounts above branch authority
• Determines the acceptability of risk by discussing underwriting philosophy, policy forms, rating approaches, underwriting and risk management techniques, including the largest and most complex risk submissions which require a specialized approach
• Participates in all aspects of quality control and audit assessments on new and renewal business

Underwriting Product Manager – Casualty

• Serves as assigned line of business subject matter expert to provide strategic direction enterprise wide
• Develops line of business strategies and plans, and ensures successful implementation enterprise wide
• Leads the administration and development of products and programs for assigned line of business
• Analyzes premium and loss data and other key reports on monthly and quarterly basis to ensure long-term profitable growth
• Creates, maintains, and communicates best practices and underwriting guidance to the whole enterprise
• Proactively communicates and makes necessary recommendations to management for improvement needed to meet company goals and improve underwriting results
• Manages business relationships with external and internal partners to introduce and integrate product initiatives based on enterprise needs
• Develops and maintains department budget

Underwriting Product Director – Property

Learning and Development

• Manages relationships with external training vendors to ensure quality sales training delivery
• Oversees the development and implementation of engaging training programs and materials
• Collaborates with cross-functional teams to assess training needs and identify performance gaps
• Evaluates training effectiveness to recommend enhancements for maximizing ROI
• Leads sales training initiatives aligned with business objectives
• Builds partnerships with external vendors for innovative training solutions
• Manages logistics for vendor-led training sessions
• Designs and updates training materials to reflect product changes
• Provides coaching and support to sales, marketing, and underwriting teams
• Analyzes performance data to identify training gaps and opportunities
• Tracks and reports training outcomes including participation and effectiveness

Sales Training Consultant

• Prepares and approves renewals within authority limits, focusing on long-term profitability, retention, and pricing goals
• Reviews account details (coverage, claims history, updates) and assesses risk profiles for renewal eligibility
• Prepares information for accounts outside authority limits for underwriter review
• Communicates with agents and collaborates with underwriters to manage the agency book of business effectively
• Ensures proper file documentation
• Builds and maintains strong relationships with agents through regular interactions (meetings, calls, written communication)
• Provides excellent customer service to promote renewal retention
• Addresses agents' concerns and resolves issues collaboratively with internal teams
• Reviews, underwrites, and approves endorsements within authority limits
• Provides endorsement quotes and evaluates associated risks (policy coverage, loss history, claims data)
• Determines if additional information is needed for accurate decisions
• Handles reinstatements, cancellations, and policy billing inquiries
• Assists with tasks like ordering reports, reviewing drivers, and completing monthly projects
• Collaborates with underwriters and territory management teams to understand risk appetite and utilize resources effectively

Underwriting Associate

• Manages assigned underwriting team
• Enforces Corporate and Region underwriting guidelines and procedures
• Models smart and effective underwriting practices for individual accounts, all lines of business, and different classes
• Implements strategies to address challenges to profit and drive that message throughout the underwriting unit
• Answers questions, shares recommendations for complex situations, such as challenging accounts, communication strategies or developing agency relationships, while respectfully explaining the rationale for these recommendations
• Coordinates with underwriters, marketing and branch management in the agency planning and review processes
• Monitors progress of underwriters’ assigned agents and guides underwriters and agents in achieving annual goals while driving them to match price to quality across the book of business
• Seeks feedback from agents and takes action to improve their experience and grow a profitable books of business
• Manages existing agency relationships and develops and fosters new agency relationships
• Focus on growing profitable relationships and rehabilitating unprofitable or low growth relationships
• Oversees and monitors the workload and performance of assigned underwriting team
• Monitors business decisions made by team members to ensure that underwriters operate within set guidelines, authority, rate goals, and region service directives while matching price to quality across the book of business

Underwriting Assistant Manager – Commercial Lines

• Summer paid internship working in one of EMC’s branch underwriting departments
• Assist underwriters in obtaining information needed to properly evaluate new business and renewal submissions
• Correspond with agents and other outside sources to gather underwriting information
• Learn EMC culture, business processes and products
• Gain an understanding of the insurance underwriting process
• Participate in daily responsibilities, special projects, and activities to develop industry-related knowledge and transferable skills
• Network with executives, connect with a mentor, explore other departments, and volunteer in the community
• Successful interns are invited to apply for regular full-time positions

Underwriting Intern

Data Analyst

• Provides expertise on the development and the implementation of the Actuary Department’s rating engine development, maintenance and rating element capture strategies
• Leads the development of solution specifications for the policy administration system's rating engine and rate change monitoring tools and validates implemented solutions are compliant with identified specifications
• Partners with business units to gather information about their data analytics needs, business requirements, desired rating algorithm attributes, and/or desired rating component capture needs
• Performs research and analysis of data elements or rating algorithms, acquires necessary data and elements, and develops and executes associated testing plans
• Serves as leader for project execution strategies and estimation of timelines and data deliverables
• Assigns customer data extraction value and prioritizes requests in order of most critical to business partners and projects
• Ensures the planning and performance of highly complex data and/or element assignments, including data/element capture, aggregation, comparison, and extraction, for Actuary, including the parsing, joining, standardizing, cleansing, consolidating and filtering of data across inter-related data platforms to create desired outputs that can be leveraged by business users
• Manages stories and subtasks, working with team members to assess available capacity and develop agreeable customer timelines for the most efficient data solutions to business needs
• Provides project work direction to actuarial team members and stakeholders and advises leadership of any potential issues and delays
• Provides expertise for cross-functional projects, including pricing enhancement research teams, line of business deep dives, in-depth industry vertical analysis, and branch business planning
• Serves as a subject matter expert in undertaking project segments and corporate initiatives involving assigned applications, business area datasets and source systems
• Collaborates as appropriate with IT partners to develop solutions
• Leads the development and execution of testing procedures to ensure quality of data and work products
• Troubleshoots and corrects complex project problems involving data and programming logic errors
• Performs peer reviews of work to maintain the integrity of the work product
• Proactively identifies data quality issues and immediately communicates issues to the appropriate technical steward for data fixes
• Ensures all processes and projects are compliant with data governance policies and statutory requirements
• Prepares and maintains documentation related to assigned data, reports and processes in accordance with best practices, including disaster recovery
• Mentors and trains other team members on programming techniques, system functionality, and relational database structure
• Proactively engages in professional development related to the insurance industry, technology, data platform, reporting tool changes, statistical analysis, data management, and computer programming skills

Senior Actuarial Data Analyst

Risk

• Completes on-site risk control surveys of highly sophisticated current and prospective policyholders’ operations, including in niche markets
• Assesses and analyzes the exposure potential and existing controls and prepares risk control reports based on findings and communicates results to insured and agents
• Provides consultation to policyholders regarding their operations, claims trends, and recommendations for improvement related to insured coverages, including developing written recommendations
• Consults with policyholders to understand their service needs and customizes consultative services to address loss drivers and exposures
• Serves as a primary technical resource within assigned specialized focus area and provides technical expertise and guidance to other Risk Control team members
• Collaborates with other Risk Control team members and subject matter experts on advanced technical questions
• Provides updates to Underwriting, Sales, and Claims to improve renewal decision making
• Markets risk control functions through agency visits and presentations at agency and association meetings
• Delivers advanced training and on-site loss control surveys for current and prospective accounts
• Identifies accounts that would benefit from ongoing or focused short-term service and develops service plans
• Analyzes previous losses and current exposures for large complex accounts and provides tailored services (hazard control assessments, ergonomic surveys, slip-fall surveys)
• Develops positive relationships with accounts and agents
• Other duties as assigned

Risk Control Specialist

Consultant

• Serves as a high level technical resource on agency compensation programs
• Designing, implementing, and maintaining competitive compensation and incentive plans for agency distribution
• Provides regular analysis of compensation programs, including agent tiering strategies
• Acts as a key partner to regional and field leadership, including Sales Directors and RVPs
• Leads the administration and optimization of distribution and compensation management systems
• Gathers agency compensation data from internal systems, market surveys and agency performance metrics
• Audits data for accuracy, completeness and consistency across platforms
• Resolves discrepancies in compensation records and ensures system integrity
• Analyzes agency performance metrics to identify compensation trends and outliers
• Evaluates effectiveness of current compensation models using Key Performance Indicators
• Monitors seasonal or cyclical patterns in agency productivity and merger/acquisition activity
• Builds and refines agency compensation models to simulate payout scenarios and forecast financial impact
• Leads and coordinates the launch of new or revised compensation programs across field teams
• Ensures systems, tools, and workflows are configured to support compensation structures
• Collaborates with Legal, Compliance, and IT to ensure contract language, system logic, and compensation terms are synchronized and enforceable
• Develops training materials to conduct sessions for field staff on compensation mechanics
• Creates FAQs, guides and toolkits to support ongoing understanding and adoption
• Addresses implementation challenges such as system errors, payout/calculation discrepancies, or program confusion
• Consults with leadership and cross-functional teams to align compensation strategies with company-wide goals
• Provides subject matter expertise and training on compensation design, including incentive structures, agent segmentation, and tiering strategies
• Ensures all agency compensation programs and agreements comply with state and federal regulations
• Develops and maintains documentation of agency compensation policies, procedures, and compliance protocols
• Attends industry workshops, webinars, and conferences on agency compensation trends and regulatory updates
• Drives continuous improvement by identifying EMC opportunities to enhance compensation programs, tools, and communication strategies

Agency Compensation Consultant

IT Support

• Serves as a resource and coordinates with people leader and team members within their assigned region to deliver quality audits, adherence to standards and customer service.
• Researches answers to questions on various premium audit rules, guidelines and interpretations.
• Researches required information and responds to various inquiries from branch underwriters and agents on the outcome of a premium audit.
• Reviews completed physical, phone and mail audit reports in assigned states prepared by internal or vendor auditors for accuracy and completeness in accordance with industry rules and regulations and company policy.
• Analyzes audit report details, including policyholder financial records, such as federal and state quarterly tax returns, payroll records, financial statements and general ledger.
• Verifies proper classifications and endorsements are applicable based upon the type of business operations and line of business.
• Approves or returns an audit to the auditor if the proper information is not provided, incorrect or undocumented.
• Researches required information and coordinates the resolution of audit disputes, which typically challenge the new premium amount, employee classification or exposure calculations.
• Coordinates the resolution of audit disputes and communicates final decision to underwriters, underwriting managers, agents and premium auditors.
• Defers to higher authority if an accommodation is being requested by the branch after an undesired outcome of an audit dispute.
• Calculates the final earned premium by using the completed audit information and applying the proper manual rules and rates.
• Calculates workers’ compensation dividends in accordance with dividend filings.
• Analyzes policy information to determine the type of audit to be completed and evaluates the type of risk, operations, classifications, exposures, premium and related expense and recommends audit method.

Premium Audit Specialist I

Sales

• Essential Functions: Agency Management—Develops branch strategy and business plans with branch leadership team, ensuring agency implications and impacts are represented; Enforces guidelines and procedures across the territory; Manages the branch agency sales force to ensure branch growth and profit goals are met; Evaluates market conditions and analyzes existing branch agency sales force quality and potential to determine and recommend changes in agency representation within the branch territory; Manages new agency prospecting, evaluation, and appointment, weighing branch goals and needs as well as agency potential; Makes final recommendations for new agency appointments to Branch Vice President for approval; Manages branch rehabilitation efforts of underperforming agencies and recommends agency terminations when appropriate\n• Territory Sales Development: Develops and executes branch production plans as part of the branch leadership team; Allocates production goals to the various branch field territories overseen. Monitors progress of production plans, providing regular reports to the branch leadership team. Adjusts strategies as necessary to achieve desired outcomes; Develops and drives strategy for the production of desirable new business growth and business retention efforts; Manages branch sales pipeline, ensuring a collaborative and proactive approach is taken to drive profitable growth; Develops marketing and sales plans specific to the branch, including working and negotiating with associations, vendors, and corporate office departments. Monitors impacts on results and adjusts as necessary\n• Agency Relationships: Builds and cultivates relationships with key partners in key agencies, acting as a liaison between the branch and those agencies, conducting agency visits and presentations to grow profitable relationships and rehabilitate underperforming agencies; Manages escalated highly complex and difficult agency relationships or issues that arise; Identifies situations that may require Branch Vice President attention and involves them as appropriate; Continuously monitors branch team member agency assignments and recommends changes as needed to improve relationship fit to drive branch goals; Facilitates agency interactions with senior field and executive leadership to ensure appropriate and effective engagement for all parties; Seeks feedback from agents and takes action to improve their experience with EMC, communicating to and partnering with other team members as needed; Represents EMC at various functions, such as agency sales meetings, agency trade association meetings, providing direction and oversight for EMC-hosted events\n• Team Leadership: Leads performance management, hiring, coaching, and succession planning for the team. Promotes diversity, innovation, and cross-functional collaboration. Manages budgets and ensures alignment with departmental and branch goals.\n• Education & Experience: Bachelor’s degree, preferably in marketing or business or equivalent relevant work experience; Ten years of underwriting or sales/marketing experience in property and casualty insurance industry or related experience; Previous supervisory/leadership experience; Insurance designations, such as CPCU or CIC, preferred\n• Travel: Travel required; valid driver’s license with an acceptable motor vehicle report per company standards required if driving

Regional Sales Director - Central Region

• Prepares and approves renewals for accounts within authority limit with a focus on long term profitability, retention and achieving branch and company pricing goals.
• Based on branch established guidelines, leverages negotiation skills to obtain adequate rate.
• Reviews account information, including coverage details, claims history, and any relevant updates or changes.
• Evaluates the risk profile of each account and assess its eligibility for renewal based on established underwriting guidelines.
• For accounts outside authority, prepares information for underwriter to complete the renewal.
• Develops relationships with agents by providing excellent customer service to promote renewal retention.
• Builds and nurtures relationships with agents by regularly engaging in meaningful interactions, such as face-to-face meetings, virtual meetings, phone conversations, and written communication
• Reviews and approves endorsements that fall within a specified list of requirements and within authority.
• Underwrites and provides endorsement quotes to agents.
• Corresponds with agents for additional information.
• Assesses the potential risks associated with proposed endorsements, taking into account factors such as policy coverage, loss history and claims data to evaluate the overall impact on the policy.
• Performs support duties for branch departments including but not limited to, ordering and analyzing reports as appropriate, reviewing drivers, and completing monthly projects.

Underwriting Product Manager – Casualty

Underwriting Product Director – Property

Sales Training Consultant

Underwriting Associate

Underwriting Assistant Manager – Commercial Lines

Underwriting Intern

Senior Actuarial Data Analyst

Risk Control Specialist

Agency Compensation Consultant

Premium Audit Specialist I

Underwriting Associate

Regional Sales Director - Central Region

Underwriting Associate - CL