Job Description

At Heartland Mutual Insurance, we're more than just a company -- we're a community.

Proudly rooted in Ontario and Nova Scotia, we're driven by a bold vision: to be the Best Mutual. Our team of passionate professionals doesn't just follow the norm -- we challenge it. We think differently, aim high, and deliver on our promise with a personal touch.

Here, you'll be part of a culture that values authenticity, embraces change, and empowers you to make a meaningful impact every day. Together, we bring our purpose to life by living our values and putting people first.



Farm Underwriter II - Waterloo, Ontario



This role helps manage and grow Heartland's farm insurance business by making smart underwriting decisions, analyzing risks, and working with brokers to set fair terms. It also supports product development by sharing market insights and helping improve pricing and services. The goal is to write profitable business, support company targets, and stay competitive in the market.



What you'll do...



Assess and evaluate risks within the farm portfolio to negotiate pricing and underwriting conditions with brokers. Accept, reject, approve, renew or cancel policies in accordance with Heartland's underwriting guidelines and procedures as well as those contained in program agreements, applicable laws and regulations. Build trusted business relationships with brokers, tailor your approach, and seize opportunities. Participate in broker visits, industry functions and marketing events in support of business objectives. Be involved in stimulating, challenging projects and development opportunities to grow your skills and expertise.

What you'll bring...

2-3 years experience in farm underwriting. Curious, desire to learn, strong analysis and synthesis skills. Ability to make decisions in urgent situations, solve complex problems, recommend courses of action, and take calculated risks. Skilled communicator, both written and verbal English, who likes to make decisions and excels at influencing others. CIP designation or actively pursuing. Strong decision-making skills and ability to bring creativity to underwriting risks. Experience with Guidewire P&C Insurance Software & Technology a strong asset, not required. Ability to apply underwriting philosophy and knowledge to strategic goals.

If you have the qualifications we are seeking and would thrive in a work environment where you are valued and respected, please apply on the company website. Accommodation is available on request for candidates taking part in all aspects of the selection process.

What's in it for You:

Join a Supportive Team: Be part of a collaborative and high-performing team that values knowledge sharing and celebrating wins together. Comprehensive Total Rewards: Enjoy a competitive compensation package, including health and wellness benefits, pension plan, paid time off, and more. Career Growth & Development: Take advantage of continuous learning opportunities and stretch assignments. Make an Impact: Play a key role in helping customers navigate challenging situations with empathy and expertise. Inclusive Culture: Work in an environment that embraces diversity, equity, inclusion and belonging.

At Heartland Mutual Insurance, you're empowered to thrive. Whether it's your career, your well-being, or your future, we've got you covered.