- Company: EMC Insurance Companies
- Location: United States (nationwide)
- Salary: $60,813–$84,038/yr
EMC Insurance Companies — company details are preparing and update automatically in a few seconds (or refresh).
Join EMC Insurance Companies as a Commercial Underwriter II and evaluate commercial insurance risks across the United States. In this full-time position, you'll review applications, assess risk, and make underwriting decisions that protect our customers and the company.
About the Role
As a Commercial Underwriter II at EMC Insurance, you'll be responsible for evaluating commercial insurance applications and determining appropriate coverage decisions. You'll examine business operations, financial performance, and loss history to assess risk accurately. Working directly with brokers, agents, and clients, you'll provide sound underwriting judgment while maintaining our company's risk standards and competitive position.
What You'll Do
- Evaluate commercial insurance applications, reviewing supporting documentation for accuracy and completeness
- Analyze financial statements, operational details, and loss history to assess risk exposure
- Make independent underwriting decisions based on company guidelines and underwriting authority
- Communicate with brokers, agents, and policyholders to clarify information and explain coverage decisions
- Ensure adherence to company underwriting standards and regulatory compliance requirements
- Develop and maintain productive relationships with key broker and agency partners
- Monitor assigned accounts and manage ongoing portfolio performance
- Stay informed about commercial insurance products, industry developments, and competitive market conditions
What We're Looking For
- Solid knowledge of commercial insurance principles and underwriting practices
- Strong analytical abilities and sound judgment in risk evaluation
- Excellent written and verbal communication skills
- Ability to manage multiple applications while maintaining quality and attention to detail
- Experience with underwriting systems and business software platforms
- Professional approach to building client and partner relationships
About EMC Insurance Companies
EMC Insurance Companies believes in building a workplace where team members can develop their careers, contribute meaningfully, and support one another in delivering quality service to customers. We're committed to fostering a collaborative environment where your work truly matters.
How to Apply
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You’ll finish your application on the employer’s website. We don’t ask for a resume on this page.
Local insights for this role are preparing — this section updates automatically in a few seconds (or refresh).
Listing facts
- Role Commercial Underwriter II
- Employer EMC Insurance Companies
- Location United States (nationwide)
- Type Full Time
- Pay (from listing) $60,813–$84,038/yr
- Posted May 20, 2026
- Apply by August 1, 2026
- Country United States
- Overview Full job description on this page (303 words)
Facts above come from this job record on Get A Job.AI — not copied from third-party review sites.
Typical work in Commercial Underwriter
Independent occupational context from O*NET (U.S. public-domain labor data). This is about the occupation, not a rewrite of this employer's posting.
- Examine documents to determine degree of risk from factors such as applicant health, financial standing and value, and condition of property.
- Decline excessive risks.
- Write to field representatives, medical personnel, or others to obtain further information, quote rates, or explain company underwriting policies.
- Evaluate possibility of losses due to catastrophe or excessive insurance.
- Review company records to determine amount of insurance in force on single risk or group of closely related risks.
- Decrease value of policy when risk is substandard and specify applicable endorsements or apply rating to ensure safe, profitable distribution of risks, using reference materials.
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Occupation family: Commercial Underwriter
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