COMMERCIAL LINES UNDERWRITER RESUME EXAMPLE

Published: July 26, 2024 - The Commercial Lines Underwriter assesses and underwrites risk for products and accounts in a market segment, making sound decisions within underwriting authority and recommending actions to segment leadership. This role involves evaluating risk-reward and negotiating terms to maximize profitability while adhering to market segment standards and underwriting principles. The underwriter also manages the book of business, maintains underwriting documentation accuracy, and fosters collaborative relationships across the organization while seeking training opportunities to enhance industry expertise.

Tips for Commercial Lines Underwriter Skills and Responsibilities on a Resume

1. Commercial Lines Underwriter, Pioneer Insurance Group, Springfield, MO

Job Summary: 

  • Understand and explain, coverages afforded, exposures to loss assumed, and restricted by the insuring agreements with exclusions.
  • Identify exposures and understand the appropriate questions to ask and analyze required to underwrite.
  • Analyze the risks associated with different Industry Group segments.
  • Review claims history and identify loss experience.
  • Independently or in consultation with the supervisor.
  • Prepare pricing and negotiation strategy and negotiate coverage and price with producers.
  • Develop and build relationships with producers and make independent calls to brokers to market products.
  • Organize and prioritize risks effectively.
  • Independent marketing and sales capabilities to generate new business opportunities.
  • Maintain and improve existing relationships with Crum & Forster agents or brokers and target accounts within the region.
  • Service existing accounts within the region.


Skills on Resume: 

  • Coverage and Exposure Analysis (Hard Skills)
  • Underwriting Proficiency (Hard Skills)
  • Risk Analysis (Hard Skills)
  • Claims History Review (Hard Skills)
  • Pricing and Negotiation (Hard Skills)
  • Relationship Building (Soft Skills)
  • Organizational and Prioritization Skills (Soft Skills)
  • Marketing and Sales Capabilities (Soft Skills)

2. Lead Commercial Lines Underwriter, Guardian Risk Solutions, Albany, NY

Job Summary: 

  • Handle underwriting referrals, phone calls, emails and non-renewals, reviewing reports (inspections, loss reports, production reports).
  • Review new and renewal business referrals
  • Approve or decline requests from producers and agents
  • Review inspection reports and take appropriate underwriting action
  • Handle and manage agent inquiries and referrals from support vendors
  • Ability to grow and maintain relationships with independent agents including knowledge of agency management principles
  • Function as subject matter expert and assist in training less experienced underwriters
  • Communicate with IT to resolve system-related issues
  • Accountable for contributing to the achievement of the business plan, including those concerning new business, renewal retention, pricing and profitability.
  • Gathers, reviews and analyzes all necessary underwriting information to conduct proper risk selection, exposure analysis and premium determination for risks within the defined segment appetite.


Skills on Resume: 

  • Underwriting Proficiency (Hard Skills)
  • Communication Skills (Soft Skills)
  • Relationship Management (Soft Skills)
  • Analytical Skills (Hard Skills)
  • Training and Mentoring (Soft Skills)
  • Customer Service (Soft Skills)
  • Business Plan Contribution (Hard Skills)
  • Problem-Solving (Soft Skills)

3. Commercial Lines Underwriter, Integrity Insurance Associates, Baton Rouge, LA

Job Summary: 

  • Process, underwrite and authorize the acceptance of new business, renewals, endorsements and cancellations, taking appropriate action to ensure compliance with rules and regulations while maintaining service standards
  • Ensure Facility Association risks are underwritten and issued following their established guidelines, applicable laws and regulations as well as applying standard rates and premiums
  • Communicate with internal/external business partners to answer inquiries, verify information and explain coverages and underwriting
  • Maintain service standards and contributing to the efficiency of the team
  • Input data into the system and gather information using various software following Facility Association guidelines and rules
  • Develop and manage relationships with brokers
  • Work effectively as a productive and supportive in conjunction with more senior team members, supporting business unit and company objectives.
  • Demonstrate superior customer service standards (consistency, quick response, knowledge of products).
  • Convince/persuade others to help achieve underwriting, sales and production goals and understand and work towards strategic objectives.
  • Customer interaction focuses on meeting customer expectations response time and knowledge of products and business.
  • Demonstrate operational excellence by complying with Best Practices and managing.


Skills on Resume: 

  • Underwriting Expertise (Hard Skills)
  • Regulatory Compliance (Hard Skills)
  • Effective Communication (Soft Skills)
  • Data Management (Hard Skills)
  • Relationship Building (Soft Skills)
  • Customer Service Excellence (Soft Skills)
  • Persuasion and Influence (Soft Skills)
  • Operational Efficiency (Hard Skills)

4. Commercial Lines Underwriter, Liberty Mutual Advisors, Des Moines, IA

Job Summary: 

  • Underwrite and assess risk for products and accounts in a market segment. 
  • Make appropriate decisions within own underwriting authority in addition to considered, intelligent, and complete recommendations to segment/business leadership.
  • Consistent with Travelers Canada underwriting principles, evaluate risk reward and consider different approaches toward risks to maximize profitability
  • Make prompt, sound decisions within underwriting authority and based on appropriate underwriting information. 
  • Negotiate terms and conditions consistent with market segment requirements and standards within the submission timeframe.
  • Understand and execute segment strategies to produce budgeted results.
  • Continuously manage book of business (maintain quality of business required by market segment strategy).
  • Accountable for accurate underwriting documentation/ information in account management systems and adherence to documentation standards.
  • Understand, embrace, execute, and foster Travelers Canada and Business Segment Best Practices.
  • Establish and maintain collaborative relationships with colleagues in other parts of the organization, including Head Office, Risk Control, Claims, Actuarial, etc.
  • Actively engage and seek out training opportunities within market segments to further develop industry expertise.


Skills on Resume: 

  • Risk Assessment and Underwriting Expertise (Hard Skills)
  • Decision-Making and Judgment (Soft Skills)
  • Negotiation and Communication (Soft Skills)
  • Strategic Execution (Hard Skills)
  • Documentation and Compliance (Hard Skills)
  • Collaboration and Relationship Management (Soft Skills)
  • Industry Expertise and Training (Hard Skills)
  • Adaptability and Problem-Solving (Soft Skills)

5. Lead Commercial Lines Underwriter, Horizon Coverage Services, Fort Wayne, IN

Job Summary: 

  • Manage Book of Business - evaluate risk & coverages, information gathering, pricing of a risk, negotiation and agency relations.
  • Make thorough account reviews for risk acceptability utilizing product brochures, loss experience, loss control reports, experience mod worksheets, etc. 
  • Consult management, other underwriters, the internet, AM Best guide and other resources
  • Review applications, endorsement requests and renewals for acceptability of risk, coverage and terms requested. 
  • Ensure risk is properly classed and in the proper program. 
  • Review IRPMs, experience rating and judgment of rates to ensure pricing is accurate and adequate for coverages requested and individual risk characteristics. 
  • Work with agents and support professionals to obtain a saleable program for the agent/insured while avoiding adverse selection against United Fire. 
  • Achieve territory growth, loss ratio and retention goals. 
  • Make regular visits to agencies and insureds. 
  • Partner with marketing to monitor the production and loss ratio for each agency and be able to identify problematic trends and provide remediation plans to management when requested. 
  • Serve as a resource for support professionals, underwriters, supervisors, managers and various departments in the organization. 


Skills on Resume: 

  • Risk Assessment and Evaluation (Hard Skills)
  • Information Gathering and Analysis (Hard Skills)
  • Pricing and Negotiation (Hard Skills)
  • Account Management and Review (Hard Skills)
  • Program and Policy Management (Hard Skills)
  • Territory Growth and Performance Monitoring (Hard Skills)
  • Agency Relations and Support (Soft Skills)
  • Cross-Functional Collaboration (Soft Skills)