Underwriter Development Program Jobs in Michigan

Job Title: Underwriter
Location: Remote in Multiple States/ Hybrid in Only Michigan (dependent upon on proximity of office location)
Reports To: Cindy Woityra
Employment Type: Full-Time
Job Requisition ID: 2026-288
Requisition Begin Date: 6/2/2026
Requisition End Date 07/31/2026 (Posting may close earlier if filled or business needs change.)
Help us insure it
Tokio Marine HCC - Public Risk Group, a member of the Tokio Marine group of companies, is a market leader in providing specialized insurance products for municipal entities. We cover counties, cities, townships, villages, police departments, prisons, fire departments and more. We serve the growing insurance and risk management needs of medium and large governmental entities and provide property and casualty insurance coverages in multiple states.
Role Overview
We are looking for a Underwriter who is innovative, can build relationships, and thrives in a fast-paced environment, we have an exciting opportunity for an Underwriter to join our underwriting team. This position will review insurance applications to evaluate, classify, and rate each risk to determine acceptability, coverage, and pricing. Establish, maintain, and develop agency and/or broker relationships. Provides underwriting in single or multiple areas of liability, property, or special contingency coverage.
Performance Objectives

• Production - Achieve your individual premium and productions targets which include: 1) Management and underwriting of your renewal book, achieving a target renewal retention ratio and servicing your renewals throughout the year. 2) New business premium goals, quote and workflow management targets.

• Marketing & Relationship Development - In this role you will be responsible for marketing our products and to proactively foster and develop positive relationships with key customers.

• Profitability and Compliance - Profitability is a pillar in our corporate objectives, we strongly believe that you will develop a profitable book of business if you are disciplined and consciously operate within your granted underwriting authority, within the parameters of the underwriting guidelines, and follow direction given by compliance.

• Collaboration/Teamwork - As a team we work together to achieve our collective goals, this requires collaborating with your peers on our team and within other aligned business units including Claims, Product Development, Accounting and Operations.

• Underwriting Expertise -We want you to continually develop your underwriting expertise which will be achieved through conscious learning on the job and with support from us. This is an objective that adds value to our team, but it is also important for your personal development.

What You Bring

• Minimum of Two (2) years of relevant and progressive Underwriting experience in public entity or related area that includes a strong working knowledge of state laws.
• Municipal experience a plus.
• Bachelor's degree in Insurance and Risk Management, Business Administration, Accounting, Finance, a related field, or the equivalent education and/or experience
• Preferred studies towards attaining a Registered Professional Liability Underwriter (RPLU), Chartered Property Casualty Underwriter (CPCU), Associate in Commercial Underwriting (AU), Certified Insurance Counselor (CIC) or equivalent insurance designation depending on specialty area.

What We Offer

• Competitive salary and comprehensive benefit package
• Strong learning culture with ongoing development opportunities
• Opportunities for growth and career advancement
• Comprehensive medical, vision, and dental coverage, with eligibility beginning on your first day of employment
• Basic life and disability insurance
• 401(k) plan with 6% company match
• 20 days of PTO and two floating holidays (prorated)
• Approximately 11 paid holidays and volunteer time off
• Paid parental leave
• Access to our award-winning wellness program, including mental health services, fitness network membership, and a complimentary Headspace subscription
• Student loan matching program
• Employee discount program
• An opportunity to do meaningful work and love what you do

Disclaimer
You do not need to disclose your criminal history or participate in a background check until a conditional job offer is made to you. After making a conditional offer and running a background check, if the Company is concerned about a conviction that is directly related to the job, you will be given the chance to explain the circumstances surrounding the conviction or challenge the accuracy of the background report. The Company will consider for employment all qualified applicants, including those with criminal histories, in a manner consistent with the requirements of applicable federal, state and local laws, such as the Violent Crime Control and Law Enforcement Act of 1994 (18 USC § 1033(e))(the "VCCLEA"), which restricts financial institutions and insurers such as TMHCC from employing individuals with certain types of criminal convictions. Where the hiring and employment of individuals is not restricted by the foregoing, the Company will consider qualified applicants with arrest or conviction history in compliance with applicable law such as the California Fair Chance Act, the Los Angeles Fair Chance Initiative for Hiring Ordinance, the Los Angeles County Fair Chance Ordinance, the San Diego Fair Chance Ordinance, and the San Francisco Fair Chance Ordinance.]
About Us
Tokio Marine HCC is a global industry-leading specialty insurance group, backed by the strength and stability of the Tokio Marine Group. Offering over 100 classes of specialty insurance, we empower clients to pursue opportunities confidently through our "Mind Over Risk" philosophy. More than an insurance company, we are an organization built on innovation, unity, and trust.
At our core, we are Always Advancing, driven by innovation and an entrepreneurial spirit that keeps us moving forward. Our people are Experts in Tomorrow, using curiosity and smart working to anticipate what's next. With a culture rooted in Reaching Out, we foster genuine collaboration and support, ensuring every individual has the opportunity to succeed and make a difference.
Applying our Mind Over Risk philosophy to writing insurance allows our customers to take on opportunity with confidence. That philosophy defines our way of thinking, unites us as a team, and differentiates us from our competitors. We are much more than just an insurance company; we are a good company.
Equal Opportunity Employer
TMHCC is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to age, ancestry, citizenship, color, family or medical care leave, gender identity, genetic information, marital status, medical condition, national origin, physical or mental disability, protected veteran or military status, race, ethnicity, religion, sex (including pregnancy), sexual orientation, or any other characteristic protected by applicable local laws, regulations and ordinances.
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