Property Rate Jobs (NOW HIRING)

At Selective, we don't just insure uniquely, we employ uniqueness.
Selective is a midsized U.S. domestic property and casualty insurance company with a history of strong, consistent financial performance for nearly 100 years. Selective's unique position as both a leading insurance group and an employer of choice is recognized in a wide variety of awards and honors, including listing in Forbes Best Midsize Employers in 2025 and certification as a Great Place to Work in 2025 for the sixth consecutive year.
Employees are empowered and encouraged to Be Uniquely You by being their true, unique selves and contributing their diverse talents, experiences, and perspectives to our shared success. Together, we are a high-performing team working to serve our customers responsibly by helping to mitigate loss, keep them safe, and restore their lives and businesses after an insured loss occurs.

Position supports profitability improvement and profitable growth initiatives for property line of business. Understands rates, rules and forms relative to regional and state insurance bureaus. Works in conjunction with C/L LOB Manager to manage inventory of bureau circulars and analytical projects, and determines if the organization has to or chooses to adopt legislation. All job duties and responsibilities must be carried out in compliance with applicable legal and regulatory requirements.

• Partners with the Product Development Specialists to support their responsibility for Insurance Services Office (ISO), Selective proprietary, American Association of Insurance Services (AAIS) rates, rules and forms.
• Ensures a consistent business process and tools for product development as respects intake, tracking, review, materiality and decisions in terms of ISO, AAIS and independent property rating bureau circulars and bulletins. Recommends actions outlining pros and cons when considering options with regard to ISO ,AAIS and independent property rating bureau.Determine requirements needed to adopt circulars and reviews system ramifications of the circular/bulletins. Collaborates with the Product Development Specialist regarding decisions, requirements and ramifications to Selective proprietary forms.
• Maintains ownership of the profit & loss for assigned line of business. Provides analysis for state and countrywide rate reviews as well as to aid regional partners in region and state level efforts at profitability improvement and profitable production by providing recommendations and support to drive the activity required.
• Supports Product Development Specialists efforts to maintain inventory and accountability for governance of existing rates, rules and forms. Includes oversight of delay/non-adopt ISO, AAIS, and independent property rating bureau circulars.
• Manages line of business assigned for all corporate governance and compliance issues.
• Receives and handles underwriting referrals from the field and/or corporate underwriting, utilizing underwriting expertise to advise the most appropriate solution or course of action in a timely manner. Includes supporting the Product Development Specialist's, analysis of existing manuscript endorsements, determination of acceptability based on clarity, accuracy, and compliance with each state's regulations, development of alternative solutions using filed forms, or provide alternative language that is compliant, clear, and concise.
• Actively participates in supporting predictive model efforts relative to given line of business.
• Assists with the creation and delivery of educational materials and training programs for agents, regional personnel and corporate underwriting to ensure thorough understanding of underwriting guidelines, issues and controls.
• Participate in the Large Loss Review process and Quality Assurance Reviews as necessary. Drafting analysis, insight and takeaways or action plans.
• Provides exceptional customer service to agents, regional personnel, Product Development staff, corporate underwriting and other stakeholders as identified.

Knowledge and Requirements

• Highly proficient written and verbal communication skills
• Possesses strong technical underwriting skills and broad knowledge of company products and underwriting guidelines
• Ability to solve problems and make sound decisions based on diverse perspectives and effective use of data in a timely manner, even when faced with imperfect information
• Effectively manages and executes on the appropriate balance between strategic thinking and attention to detail
• Ability to effectively coach and mentor
• Highly effective ability to develop relationships with internal and external customers/peers
• Fosters teamwork, collaboration and a positive work environment
• Acts as an early adopter and champion of new initiatives that align with organizational strategies
• Highly proficient in use of all supplied desktop tools, including the automated underwriting and email systems
• Strong working knowledge of ISO, AAIS or independent property rating bureau circulars and bulletins
• Ability to research and analyze coverage and large spreadsheet/data sets
• Demonstrated ability to manage projects

Education and Experience

• College degree preferred
• 5+ years Commercial Underwriting experience
• The following experience is preferred:
• 3+ years specific line of business experience;
• 3+ years Risk Management and/or reinsurance experience
• 3+ years Field Underwriting; and/or
• 3+ years agency experience

Selective Insurance offers a total rewards package that includes a competitive base salary, incentive plan eligibility at all levels, and a wide array of benefits designed to help you and your family stay healthy, achieve your financial goals, and balance the demands of your work and personal life. These benefits include comprehensive health care plans, retirement savings plan with company match, discounted Employee Stock Purchase Program, tuition assistance and reimbursement programs, and 20 days of paid time off. Additional details about our total rewards package can be found by visiting our benefits page.
The actual base salary is based on geographic location, and the range is representative of salaries for this role throughout Selective's footprint. Additional considerations include relevant education, qualifications, experience, skills, performance, and business needs.

Selective is an Equal Employment Opportunity employer. That means we respect and value every individual's unique opinions, beliefs, abilities, and perspectives. We are committed to promoting a welcoming culture that celebrates diverse talent, individual identity, different points of view and experiences - and empowers employees to contribute new ideas that support our continued and growing success. Building a highly engaged team is one of our core strategic imperatives, which we believe is enhanced by diversity, equity, and inclusion. We expect and encourage all employees and all of our business partners to embrace, practice, and monitor the attitudes, values, and goals of acceptance; address biases; and foster diversity of viewpoints and opinions.
For Massachusetts Applicants
It is unlawful in Massachusetts to require or administer a lie detector test as a condition of employment or continued employment. An employer who violates this law shall be subject to criminal penalties and civil liability.