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Property Underwriting Jobs in Quebec (NOW HIRING)

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Property Underwriting information

What is property underwriting?

Property underwriting is the process by which insurance companies assess the risk associated with insuring a property, such as a home, commercial building, or other real estate. Underwriters evaluate factors like the property's location, construction type, value, condition, and potential hazards to determine whether to provide coverage and at what premium. They use this information to ensure the insurance policy accurately reflects the risk and protects both the insurer and the policyholder. Good property underwriting helps prevent losses and ensures fair pricing for customers.

What are the key skills and qualifications needed to thrive as a property underwriter?

To excel as a Property Underwriter, you need strong analytical abilities, attention to detail, and a solid understanding of risk assessment, typically supported by a degree in finance, business, or a related field. Familiarity with underwriting software, risk modeling tools, and industry certifications such as CPCU or AINS is often required. Exceptional communication, negotiation, and decision-making skills help you effectively collaborate with agents and clients. These competencies ensure accurate risk evaluation, profitable underwriting decisions, and strong client relationships in the property insurance sector.

What are some common challenges faced by property underwriters, and how can they be managed effectively?

Property Underwriters often encounter challenges such as accurately assessing risk for diverse property types, keeping up with regulatory changes, and balancing the need for thorough analysis with tight deadlines. Managing these challenges typically involves leveraging advanced risk assessment tools, collaborating closely with risk engineers and field inspectors, and staying updated on industry trends and local regulations. Effective communication with brokers and clients also helps underwriters make informed decisions while maintaining strong business relationships.

What is the difference between Property Underwriting vs Property Claims Adjuster?

AspectProperty UnderwritingProperty Claims Adjuster
Primary RoleAssessing risk and determining policy terms for property insuranceInvestigating and settling property insurance claims
Required CredentialsInsurance licenses, underwriting certifications, sometimes a degree in finance or risk managementInsurance licenses, claims adjusting certifications, often a background in insurance or law
Work EnvironmentOffice-based, collaborating with agents and brokersFieldwork and office work, interacting with policyholders and repair professionals
Industry UsageCommon in insurance companies, brokers, and underwriting firms

Property Underwriting focuses on evaluating risks before issuing policies, while Property Claims Adjusters handle claims after a loss occurs. Both roles require insurance knowledge and licenses but serve different stages of the insurance process.

How much do property underwriters make in the US?

Property underwriters in the US typically earn a median annual salary of around $70,000 to $80,000, with experienced professionals earning over $100,000. Salaries vary based on experience, location, and the complexity of policies handled, and the role often requires knowledge of underwriting software and industry regulations.

Is property underwriting a good career to get into?

Property underwriting is a stable career within the insurance industry that involves assessing risks and determining policy terms. It typically requires strong analytical skills, attention to detail, and knowledge of insurance policies, with opportunities for advancement and certification. The job often offers regular hours and a professional work environment.

What does a property underwriting do?

A property underwriter evaluates insurance applications for properties to determine risk and appropriate coverage terms. They analyze factors such as property condition, location, and value, often using specialized software, to decide whether to approve or deny coverage and at what premium. This role requires attention to detail and knowledge of insurance policies and underwriting guidelines.

What are popular job titles related to Property Underwriting jobs in Quebec?

For Property Underwriting jobs in Quebec, the most frequently searched job titles are:

What job categories do people searching Property Underwriting jobs in Quebec look for?

The top searched job categories for Property Underwriting jobs in Quebec are:

Property Underwriting jobs near you
Infographic showing various Property Underwriting job openings in Quebec as of August 2026, with employment types broken down into 86% Full Time, 12% Part Time, 1% Temporary, and 1% Contract. Highlights an 90% Physical, 3% Hybrid, and 7% Remote job distribution.

Advisor, Underwriting and Billing

Definity Financial

Montreal, QC • On-site

CA$51K - CA$94K/yr

Full-time

Retirement, PTO

Re-posted 22 days ago

Job description

The Opportunity 

Join our team and let your expertise shine with our brokers and customers!

Reporting to the Team Leader, Underwriting and Billing, Personal Insurance, the incumbent will play a key role in utilizing their expertise on complex files and ensuring quality decision-making. If you are passionate about problem solving and service excellence, this opportunity is for you. This intermediate-level role requires strong underwriting and billing expertise to effectively support our operations. The role is ideal for someone looking to leverage their technical expertise to influence the quality of our broker partners while acting as a mentor to internal teams.

What to Expect

  • Analysis and Support
    • Analyze and process complex inquiries and accommodation requests related to underwriting, billing, products, and pricing (via phone and email).
  • Expertise and Advice
    • Act as a subject-matter expert by providing support and guidance on our products and guidelines to brokers, while clearly explaining premium dislocation and the rationale for changes in our risk appetite.
  • Technical Support and Mentoring
    • Acts as an internal point of contact for advice and technical support, specifically to representatives, to guide the decision-making and to address inquiries transferred by other teams.
  • Risk Management
    • Assess intermediate or advanced complex risks and review underwriting and billing exception requests in accordance with guidelines and your authority level.
  • Broker Relationships 
    • Communicate decisions regarding adjustments, exceptions, and pricing to brokerage firms, ensuring that you provide a thorough rationale to facilitate understanding of our decisions.
  • Complex Transactions
    • Handle transactions not available in the broker self-service portal, including but not limited to new business, policy changes, reinstatements, claims alerts, etc.
  • Compliance and Standards 
    • Prepare documented analyses, including clear recommendations and conditions, for cases exceeding your authority level before escalating them.
  • Collaboration with Centre Systems Management (CSM)
    • Work with the CSM team to create and monitor incident tickets, as needed.

What you Bring

  • Minimum of 2 years of experience in personal insurance (auto and property) or underwriting.
  • University or college diploma or an equivalent work experience.
  • Chartered Insurance Professional (CIP) designation (completed or in progress) is an asset.
  • Bilingual (French and English), both spoken and written is a must

Technical skills and assets

  • Strong understanding of the Guidewire system is an asset.
  • Deep underwriting knowledge in personal auto and property underwriting and billing.

Professional skills

  • Customer service focused with a positive and helpful attitude.
  • Communication and influence: Excellent interpersonal skills and proven ability to coach, advise and simplify technical information.
  • Problem-solving: Strong analytical, decision-making, and complex problem-solving skills.
  • Ability to prioritize and manage multiple tasks simultaneously and to be highly organized in a fast-paced environment.

Salary Range: $51,300-$94,400

High degree of proficiency with English required to service customers, both internal to the company and external, across Canada.

Actual salary for the role may vary depending on work location of the successful candidate and other factors including but not limited to, skills, education, experience, working conditions and the local labour market.

This position is being posted to fill an existing vacancy.

Interested in this role, but don't meet every requirement? We encourage you to apply! We know from experience that a candidate doesn't need 100% of the qualifications listed to bring incredible value to our team. We're actively seeking diverse backgrounds and perspectives to help us make insurance better. At Definity, inclusion, diversity, and equity aren't just "nice to have" - they're essential to our success. 

What's in it for you?

  • Hybrid work schedule for most roles
  • Company share ownership program
  • Incentive Program - Eligible employees may participate in various incentive plans which are paid out at the discretion of the company and subject to individual and company performance.
  • Pension and savings programs, with company-matched RRSP contributions
  • Paid volunteer days and company matching on charitable donations
  • Educational resources, tuition assistance, and paid time off to study for exams
  • Focus on inclusion with employee groups, support for gender affirmation surgery, access to BIPOC counsellors, access to programs for working parents 
  • Wellness and recognition programs 
  • Discounts on products and services

Go ahead and expect a lot - you deserve it.

It's better here - but don't take our word for it. Definity was named by Great Place to Work as one of the Best Workplaces in Canada for women, for youth, and for inclusion.

Our inclusive work environment welcomes diversity and supports accessibility. If you require accommodation at any time during the recruitment process, please let us know by contacting accessibility@economical.com. 

As part of Definity's commitment to reconciliation, we acknowledge that our work, meetings, and travel take place on the lands now known as Canada, and recognize the enduring presence, wisdom, and stewardship of the First Nations, Metis, and Inuit peoples who have long cared for these lands.

Background checks

This role requires successful clearance of background checks (including criminal checks and leadership references).

#LI-Hybrid

#IND1

Definity is the parent company to some of Canada's most long-standing and innovative insurance brands, including Economical Insurance, Sonnet Insurance, Family Insurance Solutions, and Petline Insurance. Our ambition is to be one of Canada's leading and most innovative property and casualty insurers. We can't do that without our people, so we embrace and encourage a culture that's collaborative, ambitious, rewarding, and empowering. 

We offer a flexible, hybrid work experience where employees work from the office and virtually depending on the type of work they are doing and who they are working with. Bring your true self and be a part of our journey. It's better here. 

Apply