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Strong fit if you enjoy structured risk decisions, commercial insurance products, and partner-facing underwriting work. Best for candidates comfortable with guidelines, documentation, and trade-offs between coverage and profitability.
As a Commercial Underwriter II at EMC Insurance Companies, a typical day centers on reviewing commercial submissions, assessing risk quality, and deciding terms or declinations. You examine financials, loss history, and property or operations detail; request clarification from agents or field partners; and set limits, deductibles, and endorsements so the book stays profitable. You also check existing exposures on related risks and document decisions against company underwriting guidelines.
Build strength in commercial risk analysis, policy forms and endorsements, catastrophe and concentration review, and clear written communication with agents and internal partners. Practice using underwriting manuals and rating tools to adjust terms on substandard or high-hazard risks. No specific certifications were provided for this role family.
No. The listing indicates an on-site or non-remote U.S. position (remote flag = 0).
Review commercial risks, gather missing details, set or decline terms, and help keep exposures profitable and well distributed.
See the O*NET summary for Insurance Underwriters at onetonline.org.
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Website: emcinsurancecompanies.com
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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 To apply for this Commercial Underwriter II position, submit your application through this listing.
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