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Senior Underwriting Specialist, Fidelity & Crime

For more than 170 years, The Hanover has been committed to delivering on our promises and being there when it matters the most. We live our values every day, demonstrating we CARE through our values, sustainability initiatives and inclusive corporate culture.

Our Management Liability team is seeking a Senior Underwriting Specialist, Fidelity & Crime, to lead and expand our growing Fidelity & Crime portfolio across the Southeast. This role carries strategic responsibility for underwriting excellence, agency partnership, and profitable growth in a key region.

Candidates must be located in Georgia (preferred), North Carolina, or Florida and be willing to travel as needed to drive market engagement and support regional initiatives within the Greater Atlanta region.

This position offers flexible work arrangements, including hybrid or fully remote options within Georgia, North Carolina or Florida with travel required throughout the Southeast to support agency relationships, market development, and key meetings. This hire MUST be based in Georgia, North Carolina or Florida.

At The Hanover, our culture is grounded in our Care Values —we care deeply about our people, our customers, and the communities we serve. We foster an inclusive, collaborative environment where experienced professionals are trusted to make decisions, share ideas, and grow their careers while working toward shared goals.

We are proud to be a diverse and inclusive organization, committed to attracting, developing, and retaining top talent. We believe diverse perspectives strengthen our teams, elevate performance, and deepen the relationships we build every day.

We encourage all experienced Fidelity & Crime Underwriting professionals to apply. Come Discover The Hanover Difference. THIS IS A FULL-TIME, EXEMPT ROLE.

POSITION OVERVIEW:

Responsible for identifying, soliciting, underwriting, and selling new business private/public commercial and governmental crime accounts that drive profitable growth and align with Industry Segments, appetite and mix goals. Apply advanced technical, sales and analytical skills to provide insurance solutions that help Hanover's customers manage risk. Demonstrates a thorough understanding of Hanover's strategies and appetites and will use internal and external data to make appropriate individual and portfolio risk decisions. Operates within a broad Letter of Authority for all underwriting decisions and with limited direction while managing an assigned book of business, generally with high technical complexity and coordination.

IN THIS ROLE, YOU WILL:

Technical Underwriting:

• Thorough knowledge and understanding of F&C department business strategy (class of business appetite; account size; coverage differentials; partner/non partner agents, brokers, and wholesalers).
• Knows and applies advanced underwriting concepts including risk selection, exposure, internal controls, coverage implications, and loss analysis.
• Advanced knowledge of pricing components and rating methodology and correlates pricing to exposure, financial strength, and competitive analysis.
• Can identify and explain to agents necessary types of coverages and correlating gaps in coverage based upon account given operations and exposures, to complete our value-added proposition.

Portfolio Management & Financial Acumen:

• Manages assigned portfolio to achieve gross written premium, profitability, rate, retention, industry and LOB mix, new business, and portfolio management goals.
• Demonstrates ability to properly leverage competencies, act as a resource, and build long-term, profitable, and mutually beneficial relationships with agencies, internal management, and external resources.
• Constructs and executes portfolio business plans independently through organized workflow & desk management, which may include special projects.
• Reviews key metrics and uncovers trends that may lead to new business opportunities within agents while achieving profitable growth.
• Drives the implementation of profit improvement initiatives with key agents by leveraging resources.
• Advocates and coordinates with Specialty department, Middle Market and Small Commercial to learn and share knowledge in cross sell opportunities to help manage portfolio/book of business

Sales Management:

• Operates with a franchise perspective to identify and drive enhanced sell opportunities and create growth within other lines of business and customer segments.
• Utilize our value proposition to enhance agency economics, partner conversion, and product specialization in partnership with local management.
• Prioritizes and drives effective relationship management and producer activities to build trust, facilitate negotiation, and secure commitment in order to improve new business results.
• Independently implements territory business plans, monitors performance, adjusts plan to ensure a substantial pipeline for future profitable growth.
• Provide proper training and product knowledge transfer to existing and prospective agents so they can effectively sell Hanover as the go-to-market for their customers.
• Makes sales presentations to agents and customers on a regular basis.
• Participates in more complex accounts.
• Ability to uncover customer needs, position specific solutions, handle objections, and close deals.

WHAT YOU NEED TO APPLY:

Bachelor's Degree or equivalent experience

5-7+ years Underwriting experience

5-7+ years' experience driving agency relationships resulting in profitable new and renewal business

Consistently demonstrates high level of proficiency across LOB UW core competencies. May specialize/certify in 1-2 specialty areas

Proficient in ability to identify, analyze and solve problems and manage and prioritize multiple concurrent projects. Is used as a resource by others to collaborate on more complex risks, pricing, trends, industry segments coverages and product knowledge. May conduct peer-to-peer self-audits under the direction of management.

Demonstrates ability to adapt quickly to change, exercise influence, and act as a change advocate being open to new and different ways of thinking,

Viewed as an informal leader amongst the team/branch/region/LOB. Open to and proactively shares knowledge and expertise with peers, management, and leadership. Acts as a mentor for less experienced underwriters or newly hired underwriters, may assist with training other team members

Communication - Interacts and communicates with confidence with all levels of external and/or internal business partners within scope of responsibility, team, and/or matrix environment. Can judge appropriate means and method to communicate based on the nature of the communication. Able to influence desired outcomes to drive actions and results. Adept at influencing even when holding a position contrary to the majority opinion.

Judgement and Decision Making - Ability to exercise judgment, negotiate and make sound business decisions based on level of authority. Applies judgment and expertise to determine when escalation is needed. Demonstrates confidence in one's ability to apply decision making to UW assessment.

Teamwork and Collaboration – Consistently fosters collaboration and respect among team members. Easily adapts to the diverse interests, styles, and perspective of key players. Is able to engage multiple members of a group to share information and to consider other points of view to reach objectives, consensus, and/or deadlines. Experienced in working with a wide range of teams and readily shares lessons learned.

CAREER DEVELOPMENT:

It's not just a job, it's a career, and we are here to support you every step of the way. We want you to be successful and fulfilled. Through on-the-job experiences, personalized coaching and our robust learning and development programs, we encourage you – at every level – to grow and develop.

BENEFITS:

We offer comprehensive benefits to help you be healthy, build financial security, and balance work and home life. At The Hanover, you'll enjoy what you do and have the support you need to succeed.

Benefits include:

• Medical, dental, vision, life, and disability insurance
• 401K with a company match
• Tuition reimbursement
• PTO
• Company paid holidays
• Flexible work arrangements
• Cultural Awareness Day in support of IDE
• On-site medical/wellness center (Worcester only)
• Click here for the full list of Benefits

EEO statement:

The Hanover values diversity in the workplace and among our customers. The company provides equal opportunity for employment and promotion to all qualified employees and applicants on the basis of experience, training, education, and ability to do the available work without regard to race, religion, color, age, sex/gender, sexual orientation, national origin, gender identity, disability, marital status, veteran status, genetic information, ancestry or any other status protected by law. Furthermore, The Hanover Insurance Group is committed to providing an equal opportunity workplace that is free of discrimination and harassment based on national origin, race, color, religion, gender, ancestry, age, sexual orientation, gender identity, disability, marital status, veteran status, genetic information or any other status protected by law." As an equal opportunity employer, Hanover does not discriminate against qualified individuals with disabilities. Individuals with disabilities who