Small Commercial Underwriter

Utica National Insurance Group

Commercial Lines Underwriter evaluating and analyzing risks for new or renewal business at Utica National Insurance Group. Responsible for managing a profitable portfolio in accordance with company guidelines.

Posted 7/15/2026full-timeNew Hartford • New York • 🇺🇸 United StatesMid-LevelSenior💰 $54,700 - $82,000 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in underwriting processes, including risk assessment, policy pricing, and endorsement approvals. Strong ability to analyze data and communicate effectively with agents to support underwriting decisions and maintain relationships.

Highest-signal resume keywords

Underwriting ExperienceRisk AssessmentPolicy PricingData AnalysisAgent Communication

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Risk ReviewPolicy Endorsement ApprovalData InterpretationClaims ReviewPerformance Metrics Achievement

Soft Skills

Relationship BuildingCommunication

Certifications & Qualifications

Bachelor's Degree Preferred

Industry Keywords

Underwriting ProceduresLoss RatioInsurance PoliciesCoverage RatingsInvestigation Reports

About the role

Key responsibilities & impact

Receive, review, and grant approval/issue rejection notices for risks within granted authority.
Thoroughly review and document risks outside of granted authority for referral to Supervising Underwriter.
Order and analyze investigation reports on present or potential insureds, using the reports to support underwriting decisions, as appropriate.
Receive, review, and approve/reject requests for endorsements to policies.
Interpret available data and information to price policies within company guidelines.
Build relationships with current agents/agencies, while cultivating potential opportunities/ submissions through proactive call-outs.
Communicate with agents and other company personnel about insureds, potential insureds policy endorsements, and coverages.
Keep current on agent’s/producer's loss ratio and volume, manual changes (rules, classifications, and rate changes), various restricted lists, and changes in company underwriting procedures.
Prepare written instruction for various processing units regarding endorsements.
Review claim files in order to determine desirability of risk and/or risk classification information.
Revise expiring policy files in order to determine desirability for renewal.
Achieve individual performance metrics in areas such as: Agent call-outs, Written premium, Loss Ratio, All other metrics, as assigned.
Demonstrate advanced knowledge of forms, coverages, ratings in order to properly review policies.

Requirements

What you’ll need

Bachelor's degree preferred.
4-7 years' underwriting experience preferred.

Benefits

Comp & perks

Medical and Prescription Drug Benefit
Dental Benefit
Vision Benefit
Life Insurance and Disability Benefits
401(k) Profit Sharing and Investment Plan (Includes annual Company financial contribution and discretionary Profit Sharing contribution based upon annual company financial results)
Health Savings Account (HSA)
Flexible Spending Accounts
Tuition Assistance, Training, and Professional Designations
Company-Paid Family Leave
Adoption/Surrogacy Assistance Benefit
Voluntary Benefits - Group Accident Insurance, Hospital Indemnity, Critical Illness, Legal, ID Theft Protection, Pet Insurance
Student Loan Refinancing Services
Business Travel Accident Insurance
Matching Gifts program
Paid Volunteer Day
Employee Referral Award Program
Wellness programs
Personal Insurance Discount