EMC Insurance Companies

Underwriter

• 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

• 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 Associate - CL

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

Underwriting Associate

Underwriting Associate - CL

Regional Sales Director - Central Region