Small CL Field Underwriter - Texas

For more than 170 years, The Hanover has been committed to delivering on our promises and being there when it matters the most. We live our values every day, demonstrating we CARE through our values, ESG initiatives and IDE journey.

**Our Small Commercial Underwriting department is seeking a Field Underwriter to join our team in Texas.
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The Hanover Insurance Group has adopted a Hybrid work model that allows for 2 or 3 days of remote work each week with the balance of time being in the office.

**This is a Full-time, Exempt role.
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POSITION OVERVIEW:

Field Underwriters are responsible for driving the growth of Small CL business by underwriting new business across all lines and sizes of POS and Non-POS accounts, within Small CL definition, and building and maintaining strong agency relationships, partnering with Agency staff and SCSMs. The Field UW should work closely with and direct the activities of their Underwriting Technician (UT) partner(s), following established workflows, to ensure all policies are underwritten in the most efficient and effective manner while meeting service standards and performance goals, up through first renewal.

IN THIS ROLE, YOU WILL:

• Interact with agency necessary to gather needed information in an organized manner
• Ensure all submissions are effectively managed to reach decline or quoting status.
• Determine the pricing, coverages, including coverage advantages to highlight in the quoting process, account rounding opportunity, and identify cross-sell opportunity for Specialty businesses on accounts being quoted
• Refer accounts as appropriate if additional authority is required.
• Own all aspects of the New Business underwriting process including acceptability and documentation at inception as well as subsequent validation through other sources including Loss Control Responsible for reviewing and responding to back end underwriting reviews and new business audits. After these steps, the account responsibility falls to the Portfolio underwriter, although consultation between Field and Portfolio Underwriter is expected as required. 
• Clearly communicate appetite, declination reasons and coverage advantages to Agents to improve hit ratio- Leverage relationships with Agents and SCSMS to identify opportunities to help write business- Communicate proactively with Agents to convey a sense of ownership and service during all interactions; instill confidence with agents in their decision to place new business with The Hanover 
• Agency travel as needed to build and maintain strong relationships
• Partner with internal colleagues, mainly SCSMs, UTs and Renewal UW colleagues, to most effectively communicate difficult messages with Agent partners and on overall agency management. 

WHAT YOU NEED TO APPLY:

• 1-3 years insurance related experience
• Underwriting systems knowledge to document and underwrite accounts within workflow expectations
• Ability to manage workload to meet goals and service standards, while following workflow standards
• Sales orientation; able to solicit, qualify, negotiate and close accounts in a manner that promotes deeper partnership with Agents.
• Demonstrated commitment to service and partners; high level of responsiveness
• Knowledge of competition and current marketplace; apply to all aspects of performing the role
• Excellent time management skills, responsiveness and willingness to bring appropriate level of underwriting to each opportunity, ranging from exception only underwriting on the small BOP to more thorough review on the larger or more complex accounts
• Above average verbal and written communications skills
• Achievement orientation – must understand Small CL goals and strategies (often changing) and execute on them effectively and have a positive track record of achievement.

This job posting provides cursory examples of some of the job duties associated with this position.  The examples provided are not complete, and the position may entail other essential and job-related functions and responsibilities that employees will be required to perform. 

CAREER DEVELOPMENT:

It’s not just a job, it’s a career, and we are here to support you every step of the way. We want you to be successful and fulfilled. Through on-the-job experiences, personalized coaching and our robust learning and development programs, we encourage you – at every level – to grow and develop.

BENEFITS:

We offer comprehensive benefits to help you be healthy, build financial security, and balance work and home life. At The Hanover, you’ll enjoy what you do and have the support you need to succeed.

Benefits include:

• Medical, dental, vision, life, and disability insurance
• 401K with a company match
• Tuition reimbursement
• PTO
• Company paid holidays
• Flexible work arrangements
• Cultural Awareness Day in support of IDE
• On-site medical/wellness center (Worcester only)
• Click here for the full list of Benefits

EEO statement:

The Hanover values diversity in the workplace and among our customers.  The company provides equal opportunity for employment and promotion to all qualified employees and applicants on the basis of experience, training, education, and ability to do the available work without regard to race, religion, color, age, sex/gender, sexual orientation, national origin, gender identity, disability, marital status, veteran status, genetic information, ancestry or any other status protected by law.  

Furthermore, The Hanover Insurance Group is committed to providing an equal opportunity workplace that is free of discrimination and harassment based on national origin, race, color, religion, gender, ancestry, age, sexual orientation, gender identity, disability, marital status, veteran status, genetic information or any other status protected by law.” 

As an equal opportunity employer, Hanover does not discriminate against qualified individuals with disabilities.  Individuals with disabilities who wish to request a reasonable accommodation to participate in the job application or interview process, or to perform essential job functions, should contact us at: HRServices@https://hanover.com and include the link of the job posting in which you are interested.

Privacy Policy:

To view our privacy policy and online privacy statement, click here.  

Applicants who are California residents: To see the types of information we may collect from applicants and employees and how we use it, please click here**.
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