Remote Insurance Underwriter Jobs in Michigan (NOW HIRING)

Our Management Liability team is seeking a Senior Underwriting Specialist, Specialty to help drive profitable growth and strengthen agency partnerships across the Midwest. This role is responsible for new and renewal business production, portfolio management, and underwriting complex middle-market Management Liability risks while serving as a trusted partner to specialty and multi-line agents.

The position must be based in Indianapolis, IN, or Grand Rapids, MI, with flexible hybrid or fully remote work arrangements available. Travel is required to support agency relationships, business development activities, and key market initiatives.

At The Hanover, we empower experienced underwriting professionals to make an impact through strong agency partnerships, technical underwriting expertise, and strategic portfolio management. You'll join a collaborative, high-performing team where your contributions directly influence growth, profitability, and customer success.

We are proud to foster an inclusive culture built on our Care Values and are committed to attracting, developing, and retaining top talent. Diverse perspectives strengthen our teams, enhance decision-making, and help us deliver exceptional results for our agents and customers.

We encourage all experienced Management Liability underwriting professionals to apply. 

The actual job title and level may be flexible dependent on candidate qualifications and experience (Executive Underwriter). 

Come Discover The Hanover Difference.

Position Overview:

Responsible for identifying, soliciting, underwriting, and selling new and renewal Specialty 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.

This is a Full-time, Exempt role.

In This Role, You Will:

Technical Underwriting:

•       Thorough knowledge and understanding of business strategy (segments, general; coverage differentials; partner/non partner, etc.).

•       Knows and applies advanced underwriting concepts including risk selection, exposure, internal controls , coverage implications, and loss analysis.

•       Advanced Adheres to CAT guidelines and applies increased knowledge of CAT aggregation strategies to decision making.

•       Can identify types of coverages including gaps in coverages typically provided within given operations, can explain coverages and correlating exposures and controls to agents to complete our value-added proposition. knowledge of pricing components and rating methodology and correlates pricing to exposure, financial strength, and competitive analysis.

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 Management Liability 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.