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Senior Commercial Underwriter

Date: Oct 13, 2021

Location: Erie, PA, US, 16530

Company: Erie Insurance

Division or Field Office:

Underwriting Division

Department of Position: NE Underwriting Dept 

Work from:

Corporate Home Office (Erie, PA)


At Erie Insurance, you’re not just part of a Fortune 500 company; you’re also a valued member of a diverse and inclusive team that includes more than 5,000 employees and over 2,200 independent agencies.  Our Employees work in the Home Office complex located in Erie, PA, and in our Field Offices that span 12 states and the District of Columbia.  To attract and retain the best talent, we reward our team members with competitive salaries and a very generous benefits package.


Position Summary

Using appropriate resources and systems, performs portfolio underwriting/reunderwriting functions within designated level of authority to evaluate and select risks the company will insure. Manages/services a book of business with highly complex assignments requiring specialized knowledge. Evaluates new and current business to verify initial and continued acceptability and adequate rates. Ensures that Agents understand and adhere to company underwriting philosophy and service expectations of Policyholders. Acts as a senior resource to less tenured underwriters. Actively supports and promotes corporate objectives and strategic growth plans. Viewed as senior resource within the division.


  • Multiple positions are available
  • Preference for candidates with at least three years of commercial experience specifically
  • Hiring Manager will also consider candidates for Underwriter II; level of position offered will be based upon the depth and breadth of experience and qualifications

Duties and Responsibilities

Some duties and responsibilities may vary by product line.

Employee may focus in on one or both of the following: Core Underwriting or Middle Market Underwriting.


Core Underwriting:

  • Evaluates complex underwriting applications and change requests. Analyzes related reports and other related sources to determine acceptability. Reviews renewal records and questionnaires to verify continued acceptability and rate adequacy.
  • Analyzes account experience, claim and risk reports, rate adequacy and acceptability of occupancy and/or operation in order to prepare and evaluate change requests and renewal contracts.
  • Reviews risks and reports to determine appropriate action, including coverage modifications or termination. Advises management and Agent of underwriting action to retain, modify or terminate risks where applicable.
  • Develops and maintains working relationships with Agents, ERIE sales force and other departments through phone contact and email.
  • Acts as a resource to Agents and their staff, answering questions and discussing risks. Communicates with branch Employees regarding Agent issues or concerns.
  • Trains and mentors underwriters and support staff as needed.
  • Travels to field offices to participate in presentations and attends meetings as required in order to establish rapport with Agents and develop knowledge of assigned territories/ region(s).
  • Participates in the evaluation of Agents as directed. Maintains / documents Agent files for periodic review with management and/or branch staff. Advises underwriting consultant or management of issues or concerns.
  • Advises management and Agents regarding termination of unacceptable risks and accounts requiring facultative reinsurance cessions.
  • Participates in the evaluation of Agents as required. Advises management of issues or concerns.


The first six duties listed are the functions identified as essential to the job for core underwriting. Essential functions are those job duties that must be performed in order for the job to be accomplished.


Middle Market Underwriting:

  • Evaluates, conducts and documents referrals from underwriters on accounts or coverage with higher hazards, greater complexity, higher limits, or larger premium for one or more lines of business.
  • Accepts, retains and prices moderate to high exposure new, renewal and endorsement business policies based on granted authority.
  • Collaborates with product leaders, and risk control to ensure field activities influence proper underwriting and risk taking decisions.


The first two duties listed are the functions identified as essential to the job for middle market underwriting, includes the essential functions identified for core underwriting. Essential functions are those job duties that must be performed in order for the job to be accomplished.


This position description in no way states or implies that these are the only duties to be performed by the incumbent. Employees are required to follow any other job-related instruction and to perform any other duties as requested by their supervisor, or as become evident.


Ability To Learn And Follow Procedures
Ability to Manage Complexity
Decision Making
Developing And Maintaining Relationships
Information Management Skills
Interpersonal Communication
Job-Specific Knowledge
Planning And Organizing
Problem Analysis
Service Orientation
Time Management


Minimum education and experience requirements:
Bachelor's degree required; or
Associates degree and two years related experience required; or
High school diploma, or GED, and four years related experience required; or
High school diploma, or GED, and successful completion of CPCU, CIC or PLCS designation required


Additional job requirements:
Five years related underwriting experience at the company or agency level with an in-depth knowledge of all related business lines.
Strong knowledge of underwriting guidelines and techniques, demonstrated through proven strong underwriting performance.
Working knowledge of spreadsheet, word processing and email software required.
Occasional travel.


Successful completion of the General Insurance program (INS 21, 22, 23).
Successful completion of two parts of the following programs: CPCU, CIC, CRM, PLCS, AAI, AFSB, API, AIC, AU or ARM.
Mentoring and leadership experience preferred.

Physical Requirements

Lifting 0-20 lbs; Occasional (<20%)
Lifting 20-50 lbs; Occasional (<20%)
Lifting Over 50 lbs; Occasional (<20%)
Driving; Rarely
Pushing/Pulling; Occasional (<20%)
Manual Keying/Data Entry; Often (20-50%)
Climbing; Rarely

Nearest Major Market: Erie