Commercial Lines Underwriter I

At Indiana Farmers Insurance, care is part of our business and our culture. As a mutual insurance company, we take a long-term view of serving our members, supporting our independent agency partners, and investing in our people. Our ICARE values of Innovation, Collaboration, Accountability, Respect, and Empowerment shape an environment where associates can contribute ideas, learn from one another, take ownership of their work, and grow their expertise. If you want meaningful work, supportive colleagues, and the opportunity to help improve how we serve others, we would like to meet you. 

As a Commercial Underwriter I, you will help protect businesses by evaluating risk, making sound underwriting decisions, and supporting the independent agency partners who serve our members. You will manage an assigned commercial lines book of business with guidance appropriate to account complexity and authority, balancing responsive service with risk selection, pricing, retention, and profitable growth.

• Review commercial applications, renewals, policy changes, inspections, audits, loss information, and supporting business information to assess eligibility and risk acceptability within underwriting guidelines and assigned authority.
• Analyze business operations, property and liability exposures, classifications, loss experience, coverage needs, premiums, limits, retentions, and account information to support appropriate underwriting decisions.
• Document risk assessments, selection rationale, and guideline exceptions to maintain clear and supportable underwriting files.
• Communicate with agents, members, and internal partners about commercial coverages, classifications, business exposures, and account questions to support timely service and informed decisions.
• Develop productive working relationships with assigned commercial agents to support profitable growth, retention, and responsive underwriting service.
• Monitor pricing, retention, growth, loss experience, and profitability indicators to manage the assigned book of business.
• Identify risks that may require facultative reinsurance and prepare exposure, loss, and account information with support from experienced underwriting associates.
• Maintain current underwriting and industry knowledge through continuing education and provide technical guidance to less experienced underwriting associates and agents as needed.

You will be successful by applying sound judgment, staying organized across a deadline-driven workload, and communicating clearly with agency partners and colleagues. This role is well suited to someone who is resourceful, self-motivated, and comfortable managing an assigned desk with limited supervision while knowing when to escalate questions outside of assigned authority.

• A college degree or related work experience is preferred.
• Two (2) or more years of commercial lines underwriting experience or comparable commercial property and casualty underwriting experience.
• Insurance designation or insurance-related coursework is preferred.
• Working knowledge of commercial coverages, classifications, business exposures, underwriting guidelines, delegated authority, and documentation standards.
• The ability to assess risk information, make consistent decisions, and escalate matters outside assigned authority.
• Strong organization, problem-solving, professional communication, and customer focus, with the ability to balance underwriting requirements and service expectations.
• A collaborative approach to working with agents, members, underwriting colleagues, and internal partners.
• Interest in using AI-enabled tools responsibly to improve efficiency, decision-making, quality, and business outcomes.

Department: Underwriting 

Reports to: Manager, Underwriting 

Work environment: Work may be performed in-office, hybrid, or remotely consistent with company policy, based on business needs and role requirements. Remote associates must work from one of the 19 states where Indiana Farmers Insurance has employees (CO, GA, IA, IL, IN, KY, MA, MI, MN,   MO, NC, NJ, OH, OK, PA, SC, TX, WA, WI). 

Additional considerations: Remote associates are expected to travel to the Home Office quarterly with occasional additional travel for meetings, training, conferences, or other business needs. Work involves extended periods of sitting and frequent computer use, requiring sustained visual concentration. Travel to business partners is generally required once per month.

Anticipated Hiring Range: $61,000 to $73,100 annually

This is the expected hiring range for the position. Actual starting salary may vary based on qualifications, experience, internal equity, and market factors. The range may not reflect the position’s full salary range or future earning potential. Eligible positions may also include bonus or incentive compensation and the benefits described below.

• Health insurance (Free Associate Only Coverage)
• Dental insurance (Free Associate Only Coverage)
• Vision insurance (Free Associate Only Coverage)
• Free Life insurance
• Free Short-Term & Long-Term Disability insurance
• 2% 401k Company Match
• 11% 401k Company Contribution
• Excellent Paid Time Off
• Generous paid time for Parental Leave· Day of Service
• We promote from within our widely talented workforce regularly and consistently offer opportunities to learn and grow
• Student Loan Assistance Program
• Educational Incentive Program
• Employee Assistance Programs for you and your family
• Matching funds of up to $100 annually are available from the company for your favorite charitable organization
• Associate recognition awards, fun gatherings, and opportunities to make friends are part of our culture
• An on-site fitness center at our home office in Carmel, Indiana as well as free and convenient parking

Indiana Farmers Insurance is an equal opportunity employer. Employment decisions are made without regard to legally protected status.