EMC Insurance Companies

Underwriter

• Enforces Large Account Underwriting team guidelines and procedures for assigned regions
• Answers questions, provides recommendations for complex situations, communication strategies, or problematic agency relationships and explains the rationale for recommendations
• Monitors team to ensure that underwriters operate within set guidelines, authority limits, rate goals, and service directives while matching price to quality across the book of business
• Collaborates with Large Account Leadership to review updates received from Corporate Office Underwriting and communicates changes to team members
• Develops and sustains strategic relationships with agents and brokers across the entirety of assigned regional territory
• Monitors, cultivates, and prioritizes assigned region’s Large Account pipeline of targeted opportunities to expand and strengthen the overall EMC Large Account portfolio
• Proactively assesses the impact of evolving legislation and market dynamics to ensure strategic and compliant decision-making within diverse territorial contexts
• Oversees and monitors assigned Large Accounts Underwriting team and performs expected people leadership duties
• Monitors progress of underwriters assigned agents and guides underwriters and agents in achieving annual goals
• Engages with regional field leadership and collaborates with underwriters to oversee existing agency relationships while cultivating new partnerships that drive profitability and restore underperforming or low-growth relationships
• Seeks feedback from agents and taking action to improve their experience and grow profitable books of business
• Identifies opportunities and potential challenges within agency relationships, ensuring strategic solutions
• Partners with sales and marketing to deliver exceptional customer experiences, enhance underwriting responsiveness, and position EMC as the preferred insurer
• Performs audits on Large Account new business and renewals for compliance and quality

Large Accounts Underwriting Manager

• Enforces Large Account Underwriting team guidelines and procedures for assigned regions.
• Answers questions, provides recommendations for complex situations, communication strategies, or problematic agency relationships and explains the rationale for recommendations.
• Monitors team to ensure that underwriters operate within set guidelines, authority limits, rate goals, and service directives while matching price to quality across the book of business.
• Collaborates with Large Account Leadership to review updates received from Corporate Office Underwriting and communicates changes to team members.
• Develops and sustains strategic relationships with agents and brokers across the entirety of assigned regional territory.
• Monitors, cultivates, and prioritizes assigned region’s Large Account pipeline of targeted opportunities to expand and strengthen the overall EMC Large Account portfolio.
• Proactively assesses the impact of evolving legislation and market dynamics to ensure strategic and compliant decision-making within diverse territorial contexts.
• Oversees and monitors assigned Large Accounts Underwriting team and performs expected people leadership duties.
• Monitors progress of underwriters assigned agents and guides underwriters and agents in achieving annual goals.
• Engages with regional field leadership and collaborates with underwriters to oversee existing agency relationships while cultivating new partnerships that drive profitability and restore underperforming or low-growth relationships.
• Seeks feedback from agents and taking action to improve their experience and grow profitable books of business.
• Identifies opportunities and potential challenges within agency relationships, ensuring strategic solutions.
• Partners with sales and marketing to deliver exceptional customer experiences, enhance underwriting responsiveness, and position EMC as the preferred insurer.
• Performs audits on Large Account new business and renewals for compliance and quality.

Data Engineer

• Develops, test, and maintains prioritized engineering (design/build/test) work as a member of a data analytics product pipeline architecture and infrastructure team
• Ensures delivery of solutions for organization of data, such as transformation, conformation, integration, and aggregation of data
• Partners with the Data Platform Operations (DPOs), Information Security, Network, and Operations teams to design and implement new data pipelines for new business initiatives as related to data and analytics
• Serves as a technical expert for the Data Engineering team
• Ensures best practices and internal processes are followed when solutions are designed and implemented
• Ensures the delivery of solutions for acquisition of data, such as landing, staging, rapid ingestion, and historical data extraction
• Creates processes framework, design and implementation of large-scale data conversion and data ingestion on various cloud and on-premise platforms using most optimal processing and programming techniques
• Investigates and analyzes feasibility of data integration prototypes and program requirements
• Develops specifications and plans the full range of programming actions to produce data integration components
• Develops and maintains highly complex automated ETL/ELT pipeline architecture that cleans, transforms, and aggregates data from disparate sources using architecturally approved tools, programming languages, and services to deliver a data mesh approach
• Develops and maintains highly complex automated ETL/ELT monitoring and alarming solutions using architecturally approved languages and services
• Monitors, troubleshoots, and optimizes data pipelines for quality, performance, and reliability creating a single source of truth providing business customers with highly reliable and quality data
• Builds highly complex unit tests to enable test driven development and automation to drive code reliability
• Develops, maintains, tests, and deploys code with architecturally approved toolsets using Dev Ops practices, ETL/ELT pipelines, data catalogs and data queries
• Serves as a technical resource and supports team members on EMC’s data integration projects and helps them learn new technologies
• Leads evaluation of new technologies including performing POCs and presenting results to others, with a goal of providing technical recommendations
• Balances and designs data analytics product solutions based on cost and performance to meet business requirements
• Guides business customers to develop, troubleshoot, and optimize complex SQL and ETL/ELT solutions to solve reporting, metrics, and analytics problems.

Senior Data Engineer

• Supervises assigned underwriting team
• Enforces guidelines and procedures established by Corporate Office Underwriting
• Enforces underwriting guidelines and procedures specific to their branch territory
• 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 difficult accounts, communication strategies or problematic agency relationships and explains the rationale for 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 profitable books of business
• Manages existing and develops and fosters new agency relationships to grow profitable relationships and rehabilitate unprofitable and low growth relationships
• Meets with and educates agents to develop their understanding of EMC products, underwriting appetite, systems and services to help generate a flow of quality new business opportunities
• Communicates with agents proactively and anticipates agents and insureds’ needs
• Identifies opportunities and potential barriers within agency relationships
• Collaborates with marketing representatives to ensure agents receive superior customer experiences and underwriting responsiveness and select EMC as their insurer of choice
• Oversees and monitors the workload and performance of assigned underwriting team
• Develops team expertise and assists Underwriting Manager with succession planning, including identifying talent and implementing development plans for critical positions
• Collaborates with team members to establish performance goals and monitors status
• Conducts reviews and provides coaching
• Interviews, hires, and recommends salary adjustments for team members
• Resolves disciplinary issues
• Identifies training needs and works with the Underwriting Manager and Administrative Services Manager (ASM) to provide training for team and encourages continuing education and ongoing quality improvement
• Supports diversity and inclusion initiatives
• Fosters an innovative culture, including supporting new ideas and providing guidance on potential changes
• Monitors business decisions made by team to ensure that underwriters operate within set guidelines, authority limits, rate goals, and branch service directives while matching price to quality across the book of business
• Collaborates with manager to review updates received from Corporate Office Underwriting and communicates changes to team members
• Performs audits on new business and renewals for compliance and quality of the underwriting being done in the unit

Commercial Underwriting Assistant Manager

Sales

• Designs, executes, and optimizes sales enablement programs that drive profitable growth, strengthen agent relationships, and improve sales force effectiveness within assigned regional territories and business units.
• Collaborates with Marketing Strategy to align marketing and sales practices, ensuring an effective and dynamic approach for driving profitable growth.
• Partners closely with sales leaders, underwriting, marketing/CX, operations, and other business units to ensure agent-facing roles are equipped with the right content and tools to deliver a consistent sales experience.
• Evaluates, refines, documents and communicates company-approved sales processes and best practices, ensuring they are consistently and effectively utilized by all sales team members to improve efficiency and effectiveness.
• Implements company-approved best practices to streamline workflows, enhance productivity, and accelerate the sales cycle.
• Identifies and removes barriers in the sales cycle by gathering feedback from the field and proposing actionable solutions.
• Acts as liaison between sales, marketing, and underwriting to ensure cohesive messaging.
• Manages technology and content, oversees organization and accessibility of resources in sales enablement platforms and CRM.
• Partners with Field sales leadership, underwriting leadership, and marketing/CX on strategy and execution of agency engagement, new product launches, enhancements, and territory expansions.
• Acts as liaison for technology solutions supporting distribution and sales (agency portals, CRM platforms, data analytics tools).
• Supports sales teams on effective use of these tools.
• Leverages sales enablement tools, CRM systems, and other software to support the revenue process.
• Develops, tracks, and analyzes KPIs and metrics to assess effectiveness of sales enablement initiatives and agent engagement.
• Leverages data and feedback to assess program impact, identify improvement opportunities, and keeps leadership informed.
• Supports onboarding and ongoing education of new sales team members.

Senior Sales Enablement Consultant

Procurement

• Serves as procurement resource for assigned categories and/or departments through collaboration with business unit leaders
• Collaborates with business units to understand the business needs, processes and procedures a supplier's products/services support
• Acts as the key procurement contact for assigned business units, assisting with issue escalations and resolution
• Leads the negotiation of the financials, contract length, and deliverable / product / service terms of supplier contracts
• Closely coordinates review of supplier contracts with adjacent business partners, such as Information Security, IT, Innovation, Risk Management, Privacy, and Legal
• Leads the request process (RFx) with key suppliers in collaboration with needs and input from business units and key stakeholders
• Provides post-contract support to business units regarding usage-based commercial terms
• Supports and monitors supplier adherence to contracts
• Develops and analyzes key reporting metrics designed to track overall efficiency of the process and internal spend data for assigned categories
• Maintains a level of expertise in an assigned category or categories

Procurement Business Partner

Administrative Assistant

• Provides administrative support to regional office leadership
• Schedules, coordinates, and assists with meeting and training logistics
• Coordinates the setup of regional office and company-wide events
• Creates and maintains logs, mailing lists, databases, and business reports
• Monitors general email accounts and responds to messages as necessary
• Oversees office remodeling, relocation, or construction projects
• Evaluates needs and makes purchase/lease recommendations
• Collaborates with the people leader to onboard new hires

Administrative Coordinator

Risk

• Completes on-site risk control surveys of moderately sophisticated current and prospective policyholders’ operations
• 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
• Consults with policyholders to understand their service needs and concerns and customizes consultative services to address loss drivers and exposures to meet insured’s needs, as well as other identified areas of need
• Collaborates with other Risk Control team members and subject matter experts on advanced technical questions as needed
• Provides updates to other departments such as Underwriting, Sales, and Claims to improve renewal decision making, including communicating unique observations identified to underwriting to aid in the decision making process
• Markets risk control functions in coordination with the branch team through agency visits, presenting at agency and association meetings, etc
• Delivers advanced training and on-site loss control surveys for current and prospective accounts
• Develops written recommendations for policyholders to control hazards and to prevent or reduce exposure to insured losses
• Identifies accounts that would benefit from ongoing, routine service, and/or focused short-term service
• Analyzes previous losses and current exposures for highly sophisticated accounts as assigned for development
• Provides tailored services, such as hazard control assessments, ergonomic surveys or slip and fall surveys, to address loss drivers and exposures while meeting insureds’ needs and documents in a service report
• Develops positive relationships with accounts and agents
• Other duties as assigned

Senior Risk Control Consultant

Operations

• Maintains high data quality standards across all projects and initiatives as related to EDI
• Leads the process of ensuring all state specific requirements are appropriately tracked and implemented with vendor partner and within claims platform
• Performs thorough verification and validation of data entries to ensure accuracy and completeness
• Identifies, tracks, and rectifies discrepancies, inconsistencies, and errors in datasets through careful analysis and investigation
• Utilizes data management tools to conduct data verification processes efficiently
• Documents and reports findings, issues, and resolutions
• Maintains daily rejection and error reports to stay informed on the efficiency, timeliness, and accuracy of the claims EDI program
• Solves reporting errors or state criticisms and respond to inquiries regarding reporting matters
• Stays updated on industry trends, emerging technologies, and best practices related to data verification and quality assurance
• Proactively monitors proposed changes from states to their EDI process or order of items to be submitted. Ensures implementation of necessary updates for EMC to remain in compliance
• Collaborates with internal leadership and IT to monitor timely implementation of required system changes/upgrades, and vendor partners to facilitate data collection, resolve data-related queries and ensure effective use of vendors, communicating updates throughout the process
• Monitors reporting activity and assists in ensuring the timely completion of action items
• Monitors states where vendor support is not possible based on state requirements
• Serves as the primary contact between EMC and vendor as audits occur. Recommends best practices to ensure alignment with state requirements as identified
• Researches and tracks untimely filings resulting in penalties in multiple jurisdictions
• Identifies opportunities for process improvement to enhance the efficiency and effectiveness of the EDI workflow
• Ensures compliance with data reporting requirements set by regulatory agencies, ensures adherence to specific data instructions and standards, and timely submissions
• Collects, organizes, and analyzes data to report to claims team leadership
• Researches EDI compliance standards and maintains compliance workflows for all jurisdictions, where applicable
• Provides training and support to internal users on processes, protocols, proper utilization/efficiency implementation, and systems
• Participates in continuous improvement and efficiency initiatives aimed at optimizing data verification processes and workflows
• Maintains relationships with the claims team members and jurisdictional parties to ensure compliance and prompt responses to penalties imposed, where applicable
• Partners with Quality Assurance and WC Claims leadership to determine if issues persist and if targeted or large scale training is appropriate
• Supports claim goals by leading, assisting and/or owning a process, special projects and assignments as directed by Claims Leadership

EDI & Process Improvement Specialist

Consultant

• Administers and maintains the corporate records management policy, translating requirements into system‑ready rules across data record repositories including shared drives, M365, and business systems.
• Partners with relevant teams who own their retention schedules to ensure alignment with EMC standards and supports policy development, enforcement, and practical application.
• Identifies automation and workflow opportunities.
• Leads unstructured data cleanup initiatives in partnership with IT, enabling retention and disposal at scale.
• Uses analysis and content discovery tools to drive defensible data reduction.
• Partners with IT to ensure system configuration for retention, lifecycle automation, and secure disposal.
• Collaborates with IT to test system tuning and ensures retention and deletion rules are correctly implemented.
• Collaborates with Legal, Claims Legal, and IT to ensure the accurate suspension of destruction activities.
• Maintains thorough documentation and audit trails for litigation readiness.
• Conducts regular audits of data record repositories to verify retention compliance, storage practices, accuracy, and disposal documentation.
• Summarizes findings and recommends technical and process improvements.
• Guides business units on retention and classification, including file storage standards, repository use, naming conventions, version management, and digital hygiene practices.
• Develops and delivers targeted training, job aids, and technical guidance to increase user adoption of standards and improve compliance behaviors related to records management.
• Offers practical solutions that help business units manage information efficiently.
• Supports the implementation of new tools and technologies for classification, indexing, digital archiving, and lifecycle management.
• Engages in system evaluations, contributes to configuration decisions, and validates vendor functionality during implementation.
• Prepares concise reports that summarize repository risk, compliance status, automation opportunities, and progress toward records management remediation goals.
• Communicates actionable recommendations to Compliance and IT leadership.
• Oversees off‑site physical storage processes by allocating storage costs, coordinating destruction orders, and updating suppliers.
• Supports business units with content reporting and assists Administration with retrieval and fulfillment requests as needed.
• Researches regulatory and industry best practices of records management requirements, analyzes gaps in existing processes and systems, and delivers targeted recommendations to strengthen compliance and reduce operational risk.

Records Management Consultant

Auditor

• Schedules and completes premium audits with policyholder contacts, either in-person or virtually, to determine accurate final premium for adjustable lines of insurance
• Reviews policyholder financial records, including tax returns, payroll records, financial statements, journals, ledgers, and any other aspect of a business necessary to verify loss exposures and premium
• Prepares detailed reports of audit findings, including correct loss exposures, classifications, and a detailed description of business operations to assist underwriting with risk assessment and insurance fraud discussions
• Ensures audits are completed in accordance with departmental production, quality, and timeliness standards
• Serves as a technical resource to both internal and external stakeholders, including agents, policyholders, underwriters, and others
• Consults with agents and policyholders regarding the audit process and record-keeping procedures to comport with auditing guidelines and manual rules
• Reviews classifications for new business submissions upon request to verify or correct classifications
• Promotes the audit function for both internal and external stakeholders and educates agents and policyholders on additional products or services available at EMC
• Reviews and resolves audit disputes, and communicates resolutions among agency, policyholder, underwriting, and accounting stakeholders
• Stays up to date on industry regulations and best practices to support audit efficiency and effectiveness

Premium Auditor

• Leads the strategic direction, ownership and execution of the overall underwriting operational strategy for the casualty and casualty large accounts portfolios at enterprise level.
• Oversees the development of the underwriting philosophy, policy, forms, products and programs and directs communication in corporate office and to branch office staff.
• Analyzes the performance of EMC’s existing book of business on a monthly and quarterly basis, and proactively provides strategic recommendations for improvement, expansion, or discontinuance to executive management.
• Ensures the achievement of continued profitability, growth, and operational efficiency for casualty lines of business and casualty large accounts business segment through development of risk appetite, assessment of risk exposures and controls, and emerging risk issues.
• Collaborates with other corporate underwriting departments on the strategy and appetite for the department and company as a whole.
• Directs the development and implementation of strategic and operational company objectives to help achieve company's growth and profitability goals.
• Leads and manages enterprise-wide operational consistency, integrity and oversight of casualty lines of business and casualty large accounts.
• Actively participates in all aspects of effective quality control assessments, including conducting new and renewal account audits, monitoring casualty large accounts analysis, and action plans.
• Builds culture and develops team members while overseeing corporate casualty and large accounts underwriting teams.
• Collaborates with team members to establish performance goals and monitors status, conducts performance reviews, and provides coaching.
• Develops team expertise and completes succession planning, including identifying talent and implementing development plans for critical positions.
• Manages budgeted resources by anticipating expenditures, accurately forecasting resource needs/costs and properly accounting for expenses to meet requirements and achieve fiscal responsibility.
• Acts as a strategic partner to branch offices on casualty and casualty large accounts related matters.
• Provides overall direction for underwriting authority delegation and recommends changes to casualty and casualty large accounts authority levels when warranted.
• Provides guidance and direction to the team in the development of underwriting and training tools at branch and enterprise level.
• Reviews escalated issues when requested by the team.
• Works closely with branch partners to lead efforts to grow profitable business.
• Acts as an expert from underwriting and business perspective to assist branches and agents in successfully marketing and underwriting new and existing accounts.

Assistant Vice President – Casualty Underwriting

Actuary

• Oversees and facilitates all actuarial involvement in the establishment, execution, and oversight of the necessary profitability strategies/targets to achieve enterprise goals for the middle market regions.
• Oversees the actuarial support for rate filings and leads the implementation of rate changes and preparation of both internal and external documents & manuals.
• Collaborates with actuarial peers in the analysis and selection of various expense and forecasting methods and assumptions.
• Partners with Actuarial peers in the development of initial expected loss ratio (IELR) forecasts.
• Provides support to the Actuary Rating and Actuarial Applications team in the development and support of rates.
• Oversees the quality, consistency, and accuracy of the team’s work products.
• Provides strategic actuarial support in the implementation of enhanced and new insurance products.

AVP – Actuarial Pricing

Claims Specialist

• Reviews the claim notice, contracts, state statutes and policies to verify the appropriate coverage, deductibles, and payees
• Initiates timely contact with insureds and claimants to explain the claim process and initiate the investigation
• Obtains statements from insureds, claimants, and witnesses and documents summaries within the claims system
• Request and analyze investigative and other relevant reports, claim forms and documents when appropriate
• Documents claim activities, reserve analysis, and summaries of reports including Medicare (MSP) modules in the claim system
• Sets timely, adequate reserves in compliance with the company reserving philosophy and methodology
• Identifies, investigates, and proactively pursues opportunities for recovery including arranging of evidence preservation in legal compliance that meets custody, control, transfer, analysis, and disposition of physical and/or electronic evidence
• Adheres to all state requirements regarding regulatory compliance by sending out letters/forms containing appropriate language according to timelines
• Reviews bills, invoices and receipts for accuracy and appropriateness
• Notifies people leader of claims that may need escalation or reassignment
• Drafts reservation of rights and coverage denial letters with supervisor approval
• Assigns vehicle/property damage appraisals and vehicle rentals
• Makes recommendations to people leader on the assignment of independent adjusters
• Provides prompt, detailed responses to agents, insureds, and claimants on the status of claims
• Resolves questions of coverage, liability and the value of the claims and communicates with insureds and claimants to resolve claims in a timely manner
• Prepares bodily injury and/or damage evaluations, negotiation ranges and target settlement numbers prior to negotiation. Obtains authority when required
• Identifies and protects all liens as appropriate
• Investigates Medicare liens and resolves issues in accordance with EMC and Medicare guidelines
• Communicates with insureds, claimants, and attorneys to negotiate the settlement of claims
• Prepares and issues settlement and release documents verifying accuracy and ensuring they are properly executed
• Issues timely payments
• Reviews and audits estimates written by independent adjusters for accuracy and to ensure the most cost-effective repair approach
• Submits referrals to the Estimatics, Special Investigation, Subrogation, Medical Review Units and Claims Legal teams as appropriate
• Prepares risk reports for Underwriting and Risk Improvement
• Prepares claims and participates in claims roundtables to discuss unique cases to evaluate coverage and damage

Casualty Claims Adjuster I

• Develops and implements segment-specific risk control strategies that align with corporate goals and regulatory expectations
• Develops the overall strategy to support the underwriting vision for the individual segments and leads the team in the execution of that strategy
• Serves as assigned segment subject matter expert to provide risk control strategic direction enterprise wide
• Leads the team in the identification, evaluation, and mitigation of operational and regulatory risks within assigned segment(s) identifying key exposures to loss and developing the tools needed to mitigate the exposures
• Establish and monitor KPIs such as billable hours, recommendation compliance rates, and ROI success stories
• Leads the process of aligning risk control strategies and practices with short- and long-term underwriting strategies within business segment(s) in support of enterprise-wide business and profitability goals
• Partners with Underwriting, Claims, and analytics teams to integrate risk insights into business decisions
• Acts as a strategic partner and technical resource for field risk control and team members, and offers guidance on complex matters within assigned business segment(s)
• Proactively communicates and makes necessary recommendations to Risk Control Leadership for improvements needed to meet company goals and improve risk control results
• Ensure adherence to internal policies and external regulations, and provide timely reporting to senior leadership
• Serves on special projects with other strategic partners within the organization as a representative of assigned business segment(s)
• Serves as a subject matter expert and provides risk control segment expertise to departments within the company, including organizing and assisting in preparation and teaching of workshops and seminars for risk control staff
• Develops training and white paper materials for policyholders and agents
• Partners with brokers to build strong relationships and represents EMC Risk Control during sales proposals, agent meetings, regional territory planning
• Oversees and monitors the workload and performance of the Segment team within Risk Control, and performs all duties expected of a people leader at EMC

Large Accounts Underwriting Manager

Large Accounts Underwriting Manager

Senior Data Engineer

Commercial Underwriting Assistant Manager

Senior Sales Enablement Consultant

Procurement Business Partner

Administrative Coordinator

Senior Risk Control Consultant

EDI & Process Improvement Specialist

Records Management Consultant

Premium Auditor

Assistant Vice President – Casualty Underwriting

AVP – Actuarial Pricing

Casualty Claims Adjuster I

Risk Control Segment Manager – Inland Marine