Job Description

ABOUT US:

We are a proud Ontario-based mutual insurance company rooted in community and growing in tradition. Our values reflect our tradition and deep commitment to protecting what matters most to our policyholders. With a strong focus on personalized service, responsible underwriting, and sustainable growth, we deliver peace of mind through reliable insurance solutions.

As a mutual, our policyholders are more than customers, they are owners and members. We put our people before profit. If you're looking to lead with purpose and be part of a collaborative, people-first organization, we invite you to join our team.

THE OPPORTUNITY

We are seeking an experienced and detail-oriented Intermediate Personal Lines Underwriter to join our underwriting team. This role is responsible for assessing and evaluating personal lines insurance applications, renewals, and endorsements in accordance with underwriting guidelines, company standards, and regulatory requirements. The successful candidate will work
collaboration with the Personal Lines Team to build and maintain a book of business while upholding our reputation of offering exceptional insurance experiences to our Brokers, Agents, and Members.

Key Responsibilities

Review, evaluate, and underwrite new business, renewals, and policy changes for personal lines products (home, auto, condo, tenants, etc.). Apply underwriting guidelines, risk appetite, and pricing strategies to ensure profitable portfolio growth. Analyze client risk profiles using a combination of documentation, reports, and available data sources. Collaborate with our distribution partners and internal stakeholders to clarify information, negotiate terms, and provide exceptional service. Balance underwriting authority and referral requirements; escalate complex risks as needed. Contribute to portfolio management by monitoring risk exposure, loss ratios, and growth opportunities within personal lines. Maintain awareness of market trends, competitor strategies, and regulatory changes impacting personal lines underwriting. Provide mentorship and technical guidance to underwriting assistants where needed. Ensure compliance with internal policies, industry regulations, and company standards. Contribute to process improvements, systems testing, and efficiency initiatives within the underwriting team.

Qualifications

Post-secondary degree/diploma in Business, Insurance, or related field. Working towards or completion of CIP (Chartered Insurance Professional) designation preferred. 3-5 years of underwriting experience in personal lines insurance with progressively increasing responsibilities. Solid knowledge of personal lines products, risk assessment, and underwriting practices. Strong analytical, decision-making, and problem-solving abilities. Excellent communication and relationship-management skills, particularly with brokers/agents. Proficiency in policy administration and underwriting systems; comfortable with digital tools and data analysis. Ability to manage multiple priorities in a fast-paced environment while maintaining service standards.

Why Join Us?

A supportive, inclusive, and mission-driven culture Competitive compensation and benefits package Opportunities for professional growth and development (including support for CIP/FCIP programs) The chance to shape the future of underwriting in a growing mutual Hybrid or flexible work arrangements (where applicable)

Ready to Make a Difference?

If you're an underwriting professional ready to lead with purpose, we'd love to hear from you. Apply today at NovaMutual.com/Careers outlining why you're a great fit for this role and for our mutual community.

Job Type: Full-time

Pay: $48,000.00-$72,000.00 per year

Benefits:

Dental care Employee assistance program Extended health care Life insurance Paid time off Work from home
Work Location: Remote