Senior Middle Market Underwriter

Date: Sep 7, 2023

Location: Erie, PA, US, 16530

Company: Erie Insurance

Division or Field Office:

Underwriting Division

Department of Position: Undw Spclty/Middle Market Dept 

Work from:

Corporate Office, Erie PA
Salary Range:

$83,576.00 - $133,504.00 *

salary range is for this level and may vary based on actual level of role hired for

*This range represents a national range and the actual salary will depend on several factors including the scope and complexity of the role and the skills, education, training, credentials, location, and experience of an applicant, as well as level of role for which the successful candidate is hired.


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. 

Benefits That Go Beyond The Basics

We strive to be Above all in Service® to our customers—and to our employees. That’s why Erie Insurance offers you an exceptional benefits package, including:

  • Premier health, prescription, dental, and vision benefits for you and your dependents. Coverage begins your first day of work.
  • Low contributions to medical and prescription premiums. We currently pay up to 97% of employees’ monthly premium costs.
  • Pension. We are one of only 13 Fortune 500 companies to offer a traditional pension plan. Full-time employees are vested after five years of service.
  • 401(k) with up to 4% contribution match. The 401(k) is offered in addition to the pension.
  • Paid time off. Paid vacation, personal days, sick days, bereavement days and parental leave.
  • Career development. Including a tuition reimbursement program for higher education and industry designations.

Additional benefits that include company-paid basic life insurance; short-and long-term disability insurance; orthodontic coverage for children and adults; adoption assistance; fertility and infertility coverage; well-being programs; paid volunteer hours for service to your community; and dollar-for-dollar matching of your charitable gifts each year.


Position Summary

  • There are two (2) positions available.
  • As a Middle Market Underwriter, you will handle portfolio Underwriting by managing specialty coverage and a large/complex book of business, as well as actively support corporate objectives for underwriting profitability and growth. 


Handles portfolio underwriting by managing specialty coverage and a large, complex book of business, evaluating and selecting risks, which the company will insure within level of authority.  Evaluates current and future business to verify acceptability and adequate rates.  Assists supervisor in supporting and promoting corporate objectives and strategic growth plan.  Leads, mentors and trains underwriter team members.

Duties and Responsibilities

Reviews specialty coverage and  larger, complex and specialized risks with Agents and less experienced underwriters to determine acceptability, pricing and policy modifications.

Acts as a resource and subject matter expert within the section and department. Assists in training and sharing product knowledge with less knowledgeable staff.  Ensures underwriting work meets established standards. Actively promotes and supports corporate, divisional and department goals and objectives, with emphasis on underwriting profitability and quality growth. 

Maintains working relationships with Agents, ERIE sales force and other departments through phone contact and email. Assists with the planning and conducting of training seminars. Makes field trips and attends Agent meetings as directed in order to establish rapport with Agents and develop knowledge of territory.  

Reviews risks and claim reports to determine appropriate action, including coverage modifications or termination for large or complex books of business.  Advises supervisor or department manager and Agent of necessary underwriting action to retain, modify or terminate risks.  

Trains and mentors underwriters and assistants as needed. Advises less experienced underwriters regarding complex accounts as required. Plans, communicates and achieves agreement on roles and responsibilities for resources needed for or involved in underwriting the territory. Develops and provides training needed to increase underwriting capabilities.

Evaluates more complex underwriting applications and policy change requests that are outside ERIE’s guidelines or best practices for both personal and commercial lines. Provides consultative advice to Agents regarding risk selection and frontline writing.  Analyzes related reports and insurance scores to determine acceptability. Analyzes account experience, related reports, rate adequacy and acceptability of occupancy and/or operation in order to prepare and evaluate change request, and renewal contracts.  Ensures that contract complies with legal statutes and corporate underwriting guidelines.

Participates in the evaluation of Agents.  Maintains Agent files for periodic review with management and/or branch staff.  Advises management of issues or concerns. 

Communicates with Agents and staff on a regular basis to answer questions and discuss risks.  Also communicates with branch staff regarding Agent issues or concerns. Consults with management to discuss issues or concerns.

Participates in insurance-related education and develops knowledge of current industry trends.  Maintains an understanding of existing laws and regulations, emerging technologies, and competitor actions that can impact our customers, our product offering, or our pricing.

The first 4 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.


Customer Focus
Nimble Learning
Values Diversity
Cultivates Innovation
Decision Quality
Ensures Accountability
Instills Trust
Optimizes Work Processes


Minimum education and experience requirements

Bachelor's degree required and five years related underwriting experience at the company or agency level with an in-depth knowledge of all related business lines; or
Associates degree and seven years portfolio underwriting required; or
High school diploma or GED, and nine years portfolio underwriting required; or
High school diploma or GED, and successful completion of CPCU, CIC or PLCS designation required

Mastery of underwriting guidelines and techniques, demonstrated through proven strong underwriting performance required.  
Occasional travel required.
Successful completion of the General Insurance program (INS 21, 22, 23) preferred. 
Successful completion of two parts of the following programs:  CPCU, CIC, PLCS, AAI, API, AIC, AU or ARM preferred.  
Mentoring and leadership experience preferred. 

Physical Requirements

Climbing/accessing heights; Rarely
Driving; Rarely
Lifting/Moving 0-20 lbs; Occasional (<20%)
Lifting/Moving 20-50 lbs; Occasional (<20%)
Ability to move over 50 lbs using lifting aide equipment; Rarely
Manual Keying/Data Entry/inputting information/computer use; Often (20-50%)
Pushing/Pulling/moving objects, equipment with wheels; Occasional (<20%)

Nearest Major Market: Erie