Remote Insurance Rater Jobs in Ohio (NOW HIRING)

Hastings Insurance is seeking an experienced Middle Market Commercial Underwriter to help drive profitable growth throughout Ohio. In this highly visible field-based role, you'll serve as a trusted partner to independent agencies, balancing sound underwriting judgment with relationship management and business development. You'll represent Hastings in the marketplace, identify growth opportunities, evaluate complex commercial risks, and help strengthen our position in a territory that plays a key role in our long-term success.

Working closely with our Territory Sales Managers, you'll help agencies place profitable business with Hastings while delivering the underwriting expertise and responsiveness that supports lasting partnerships. This role is ideal for a commercially minded underwriter who enjoys building relationships, collaborating with agents, and contributing directly to business growth while maintaining underwriting discipline.

This is a full-time remote position working Monday through Friday, 8:00 a.m. to 4:30 p.m. Candidates must reside within Ohio. Preference will be given to individuals located in Northeast Ohio, though candidates elsewhere in the state will also be considered. Regular travel throughout the assigned territory is expected to support agency visits, relationship development, and business growth initiatives. A company vehicle is provided.

• Develop and strengthen relationships with independent agency partners throughout Ohio, serving as a trusted underwriting resource and advocate for profitable growth.
• Identify opportunities to grow Hastings' Middle Market Commercial portfolio by partnering with agencies to write profitable new business while maintaining underwriting discipline.
• Conduct agency visits and serve as Hastings' field representative within the assigned territory.
• Work closely with Territory Sales Managers and internal business partners to support agency development and territory growth strategies.
• Review, evaluate, and underwrite new and renewal middle market commercial business in accordance with underwriting guidelines and authority levels.
• Analyze commercial risks, exposures, pricing, and coverage needs to support sound underwriting decisions.
• Maintain in-depth knowledge of commercial products, coverages, pricing strategies, and underwriting appetite.
• Collaborate with agents, policyholders, and internal business partners to deliver responsive, service-oriented underwriting support.
• Partner with Marketing, Loss Control, Claims, and Underwriting teams to support agency development and corporate growth objectives.
• Provide guidance on coverage interpretation, pricing considerations, and underwriting best practices to internal and external stakeholders.
• Ensure compliance with underwriting directives, regulatory requirements, and company guidelines regarding risk selection and pricing.
• Contribute to departmental training initiatives, professional development activities, and continuous improvement efforts.

• 5+ years of commercial lines underwriting experience, preferably within Middle Market business segments.
• Demonstrated success evaluating commercial risks and making sound underwriting decisions across a variety of industries and exposures.
• Proven ability to build, maintain, and grow relationships with independent agency partners.
• Demonstrated ability to identify new business opportunities and contribute to profitable commercial growth.
• Experience balancing business development objectives with disciplined risk selection and profitability goals.
• Bachelor's degree in Insurance, Business, Finance, or a related field preferred, or equivalent combination of education and experience.
• AU, CPCU, or other industry designations preferred.
• Strong knowledge of commercial insurance products, coverages, pricing, and underwriting principles.
• Proficiency with underwriting systems, agency management tools, and Microsoft Office applications.
• Excellent communication, relationship-building, organization, and time management skills.
• Valid driver's license and ability to travel regularly throughout the assigned territory.

At Hastings Insurance, we are a trusted partner to our agents, policyholders, and the communities we serve. For more than 135 years, we have helped individuals, families, and businesses protect what matters most and rebuild after loss. We are proud to be rated A (Excellent) by A.M. Best Company, reflecting our financial strength and long-term stability.

While our history is strong, our focus is forward. We invest in technology, strengthen partnerships with independent agents, and continuously refine our products to meet the evolving needs of today’s customers. Our strategy centers on responsible growth, expanding our reach while remaining agile, disciplined, and service-driven.

Our people make that possible. Hastings employees thrive in a down-to-earth, collaborative environment that values initiative, accountability, and steady progress. We offer a competitive benefits package that includes a 401(k) with company matching contributions, generous vacation and sick leave, fully paid tuition and professional development reimbursement, and incentive compensation bonus opportunities. At Hastings, your work matters and your growth is supported.

We believe diverse perspectives strengthen our organization and drive better outcomes. We are committed to building an inclusive workplace where every employee feels respected, supported, and empowered to contribute.

We are proud to be an equal opportunity employer. Employment decisions are based on business needs, job requirements, and individual qualifications, without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, appearance, disability, veteran status, family status, marital status, or any other legally protected characteristic.

We are also committed to providing an accessible and welcoming experience for all candidates. If you require accommodation during the application or interview process, please contact our Talent Acquisition team at 800-442-8277.