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Insurance Underwriter Jobs in Quebec (NOW HIRING)

Reporting to theTeam Leader, Commercial Insurance Underwriting, the underwriter will primarily analyze risks for small and medium-sized businesses and will be responsible for underwriting ...

Build Your Future With Us Are you passionate about risk assessment and individual insurance underwriting and interested in contributing to an organization whose purpose is to help clients feel ...

Build Your Future With Us Are you passionate about risk assessment and individual insurance underwriting and interested in contributing to an organization whose purpose is to help clients feel ...

Build the future with us Are you driven by the world of insurance and motivated by making sound, high-impact underwriting decisions? As a Senior Underwriter, you will play a key role in assessing ...

Build the future with us Are you driven by the world of insurance and motivated by making sound, high-impact underwriting decisions? As a Senior Underwriter, you will play a key role in assessing ...

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Insurance Underwriter information

What does an insurance underwriter do?

An insurance underwriter evaluates applications for insurance coverage and determines the level of risk involved in insuring a person or asset. They review information such as application forms, medical records, and financial documents to decide whether to offer insurance and at what premium rate. Underwriters play a crucial role in helping insurance companies set appropriate coverage terms and minimize potential losses. Their work ensures that the company remains profitable while providing fair and accurate coverage to clients.

What are some common challenges insurance underwriters face in balancing risk and customer satisfaction?

Insurance underwriters often face the challenge of assessing risks accurately while maintaining competitive offerings that satisfy clients. Striking the right balance can be difficult, as being too cautious may result in lost business, while being overly lenient can lead to unprofitable claims. Underwriters must stay current with industry trends, regulations, and risk assessment tools, and they frequently collaborate with agents and actuaries to ensure sound decisions. Effective communication and analytical skills are essential to navigate these competing demands and to help build long-term client relationships.

What are the key skills and qualifications needed to thrive as an insurance underwriter?

To thrive as an Insurance Underwriter, you need strong analytical skills, attention to detail, and a solid understanding of finance and risk assessment, often supported by a bachelor's degree in business, finance, or related fields. Familiarity with underwriting software, risk management systems, and relevant certifications like Chartered Property Casualty Underwriter (CPCU) is typically required. Excellent communication, decision-making, and negotiation skills help underwriters explain policies and collaborate effectively with agents and clients. These skills are vital for accurately assessing risk, ensuring profitability, and maintaining strong client relationships in the insurance industry.

What is an insurance underwriter?

Insurance underwriters evaluate insurance policy applications, assess the risk, and make recommendations for coverage and premium pricing to insurance issuers. As an insurance underwriter, you use computer software and specific criteria to assess risk and establish pricing and research other factors such as market trends and equity values to provide data to support your recommendations. You determine if the policy will likely be a good financial investment for the insurance provider.

What qualifications do I need for insurance underwriting?

Insurance underwriters typically need a bachelor's degree in fields such as finance, economics, or business. Relevant skills include strong analytical abilities, attention to detail, and knowledge of insurance policies and risk assessment. Professional certifications like the Chartered Property Casualty Underwriter (CPCU) can enhance job prospects.

What is the difference between Insurance Underwriter vs Claims Adjuster?

AspectInsurance UnderwriterClaims Adjuster
Primary RoleAssess risk and determine policy termsEvaluate insurance claims and determine payouts
Required CredentialsTypically requires a bachelor's degree; certifications like CPCU are commonOften requires a bachelor's degree; certifications like AIC or CPCU are beneficial
Work EnvironmentOffice-based, analyzing data and risk factorsField and office-based, investigating claims and interviewing claimants
Industry UsageUsed across insurance companies for policy issuanceUsed for claims processing and settlement

Both roles are integral to the insurance industry, with underwriters focusing on risk assessment before policy issuance, and claims adjusters handling claims after a loss occurs. While their work environments and responsibilities differ, they often require similar credentials and certifications, making them closely related career paths within insurance companies.

What are popular job titles related to Insurance Underwriter jobs in Quebec? For Insurance Underwriter jobs in Quebec, the most frequently searched job titles are:
What job categories do people searching Insurance Underwriter jobs in Quebec look for? The top searched job categories for Insurance Underwriter jobs in Quebec are:
What are popular job titles related to Insurance Underwriter jobs in QC? For Insurance Underwriter jobs in QC, the most frequently searched job titles are:
Infographic showing various Insurance Underwriter job openings in Quebec as of July 2026, with employment types broken down into 1% As Needed, 74% Full Time, 20% Part Time, 1% Temporary, and 4% Contract. Highlights an 87% Physical, 2% Hybrid, and 11% Remote job distribution.

Small Business Insurance - Bilingual Senior Insurance Underwriter

Td

Montreal, QC • On-site

CA$74K - CA$111K/yr

Full-time

Medical, Life, Retirement, PTO

Re-posted 4 days ago


Job description

Work Location:

Montreal, Quebec, Canada

Hours:

35

Line of Business:

TD Insurance

Pay Details:

$74,500 - $111,700 CAD

TD is committed to providing fair and equitable compensation opportunities to all colleagues. Growth opportunities and skill development are defining features of the colleague experience at TD. Our compensation policies and practices have been designed to allow colleagues to progress through the salary range over time as they progress in their role. The base pay actually offered may vary based upon the candidate's skills and experience, job-related knowledge, geographic location, and other specific business and organizational needs.

As a candidate, you are encouraged to ask compensation related questions and have an open dialogue with your recruiter who can provide you more specific details for this role.

Job Description:

TD Insurance is part of TD Bank Group, one of Canada's largest financial institutions. TD Insurance helps protect clients from the 'accidents of life' with a wide range of products including credit protection, life, health, travel, home and auto insurance. With more than three million clients, TD Insurance authorized products and services are available online, over the phone, and through a network of more than 1,000 TD Canada Trust branches.
In Canada, we have two lines of business, General Insurance and Life and Health. Our General Insurance business is one of the top homes and auto insurance groups in Canada and the national leader in group insurance and affinity marketing. Our Life and Health business is the number one provider of critical illness insurance and direct life and health insurance in Canada.
At TD Insurance, we are committed to fostering an inclusive, accessible environment. With a Canada-wide workforce of over 4,000 employees and offices in Atlantic Canada, Quebec, Ontario and Alberta, our company is always growing and can help you to grow. TD Insurance offers a stable and dynamic work environment where talent is appreciated, and professional development is taken seriously. More than just a job, we offer rewarding careers.
Job DescriptionAs a Senior Underwriter the accountability is to drive profitable growth through quality underwriting with a commercial focus.
  • Accountable to collaborate with internal partners to identify new business opportunities and provide superior technical expertise to advisors and customers to price the risk appropriately.
  • Qualify underwriting files by understanding the needs and risk characteristics of the customer, ensuring benefits from both top-line and profitability perspectives.
  • Develop and maintain relationships cross-functionally and with external stakeholders to deliver an exceptional customer experience.
  • Act as a point of escalation for more junior underwriters to refer risks within established authority levels
  • Maintain the quality and profitability of the portfolio and refer all risks outside of established authority levels to the appropriate approver for review and actioning.
  • Provide insights on market research and analysis, develop business cases for pricing, coverage and product improvements.
  • Contribute to the introduction and communication of pricing, coverage and/or product changes from time to time, including creating uw bulletins, contributing to development of uw guidelines, etc.
  • Help identify areas of concern regarding loss ratios, risk trends or other discrepancies
  • Participate in Quality Reviews and audits as required.
  • Support maintenance of a compliant UW environment in relation to guidelines and rules.
Job Requirements
  • Undergraduate degree or relevant professional certifications, designations, or equivalent required
  • 5-10 years relevant Underwriting experience in commercial insurance
  • Bilingual (French and English)

Who We Are:

As part of TD Bank Group, one of Canada's largest financial institutions, at TD Insurance, we care for Canadian families, making it easy to get the best advice, protection, and support in their moments of need, always.

TD Insurance offers a wide range of products, including General Insurance and Life and Health. Everyday, we strive to make every interaction, product and experience remarkably human and refreshingly simple for more than four million customers who count on us.

Our Total Rewards Package
Our Total Rewards package reflects the investments we make in our colleagues to help them and their families achieve their financial, physical, and mental well-being goals. Total Rewards at TD includes a base salary, variable compensation, and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off, banking benefits and discounts, career development, and reward and recognition programs. Learn more

Additional Information:
We're delighted that you're considering building a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, we're committed to providing the support our colleagues need to thrive both at work and at home.

Please be advised that this job opportunity is subject to provincial regulation for employment purposes. It is imperative to acknowledge that each province or territory within the jurisdiction of Canada may have its own set of regulations, requirements.


Colleague Development

If you're interested in a specific career path or are looking to build certain skills, we want to help you succeed. You'll have regular career, development, and performance conversations with your manager, as well as access to an online learning platform and a variety of mentoring programs to help you unlock future opportunities.

If you're passionate about helping clients and building deep, lasting relationships, TD offers diverse career paths where you can grow your expertise and make a meaningful impact.

We're committed to your success and foster a respectful workplace where diverse perspectives are valued, everyone has fair opportunities to grow, and you can unlock your full potential to achieve your career goals. Here at TD, we hire and develop the best.

Training & Onboarding
We will provide training and onboarding sessions to ensure that you've got everything you need to succeed in your new role.

Interview Process
We'll reach out to candidates of interest to schedule an interview. We do our best to communicate outcomes to all applicants by email or phone call.


Accommodation
Your accessibility is important to us. Please let us know if you'd like accommodations (including accessible meeting rooms, captioning for virtual interviews, etc.) to help us remove barriers so that you can participate throughout the interview process.
We look forward to hearing from you!

Language Requirement (Quebec only):

Maitrise d'une langue autre que le francais pour offrir du soutien ou traiter avec des employes ou des collegues qui ont besoin de services et de soutien dans une langue autre que le francais.