Senior Underwriter - Agri Business

Why CIG?

At Capital Insurance Group we offer our employees more than just a job. We foster career growth, provide opportunities to give back to our communities, and help you take the next step in your career!

CIG was founded in 1898 by a group of earnest farmers in need of protection and today, we are the leading West Coast Property & Casualty insurer. CIG is certified as a Great Place to Work and provides a collaborative, inclusive, and fun work culture for all employees.

Why Choose CIG’s Underwriting Team?

This is your perfect opportunity to join a company that is building momentum with our independent agents and protecting the dreams and assets of our policyholders. Join the CIG Underwriting team in helping build a safer world where dreams soar!

Benefits

• Accrue twenty-one days of Paid Time Off during your first year

• Up to eighty-seven percent of benefits covered by CIG for you and your family members

  • Medical, dental, vision plans

• One hundred percent covered plans

  • Basic Life & AD&D

  • Employee Assistance

  • Leave Management

  • Long Term Disability

  • Short Term Disability (Outside of CA)

• Family Caregiver Support (Homethrive)

• Child Care Resources (Tootris)

• Business Travel Accident Protection

• Voluntary benefit offerings

  • Short-term (CA only)

  • Voluntary Life AD&D self, spouse and child plans

  • Flexible Spending

  • Health Savings (HSA)

  • Hospital Indemnity

  • Accidental Injury

• Critical Illness

• ARAG Legal Services

• Norton LifeLock

• Nine paid holidays, plus two floating holidays

• Above and Beyond Reward Recognition Program

  • Kudos & Shout Out Points Program

  • Quarterly Above and Beyond Bonus Program

  • Annual Above and Beyond Bonus Program

• Competitive compensation

  • Base compensation

  • Salary Management Spot Bonuses

  • Annual Incentive/Profit sharing program, potential payout annually based on company results.

• Discount partnerships

  • Gym memberships, credit union, travel, shopping, restaurants, theme parks, and more

• Insurance Educational reimbursement and bonus programs

• Employee Referral Bonus Program

• You have a voice! You are encouraged to share your voice through multiple channels, get involved with our Employee Experience and DEI committees to drive and continue the health and wellbeing of our organization for everyone.

• Home and Auto Insurance Discount Program.

• Paid Volunteer Time – Through company planned community events and choose your own adventure PVT in giving back in ways that are meaningful to you!

• Retirement savings benefit (401k and Roth + match)

• Health & Financial Wellness

  • Wellness platform, tools and events

  • Health Savings Account – match

  • Financial Wellness Resources

Work Environment & Format

This is a hybrid-eligible position, where Monday through Wednesday would be working in one of our offices, with Thursday and Friday eligible for work-from-home days. Office locations include: Reno (NV), Monterey (CA), Roseville (CA), Bakersfield (CA), Phoenix (AZ), and Spokane (WA).

Job Overview

The Senior Underwriter is responsible for the development and production of new and renewal Agribusiness accounts. Oversees the maintenance of constructive business relationships with assigned agents and works with them to identify new business opportunities, evaluate risks, recommends corrective actions and educates the producer to identify risks that meet Company guidelines. Reviews individual applications for Ag lines to evaluate the degree of risk involved and to approve or reject based on Company policies. Develop new business, retains renewal book of business, and manages territory of assigned agents.

Minimum Requirements

Education and Experience:

• College Degree in finance, business administration, insurance or other related business discipline is preferred including and
• 3-5 years’ experience as an Ag or Commercial lines underwriter.
• Demonstrated ability to utilize assigned authorities to make decisions that benefit the company’s bottom line and provide solutions to our valued agency partners
• CPCU certification or completion of technical insurance coursework focusing on underwriting principles is preferred
• Proficient with Excel, Outlook, Word, SharePoint, Tableau preferred
• Experience with Policy Center and Guidewire highly desirable

Knowledge of:

• Underwriting practice, procedures, rules and regulations
• Rating plans (ISO or similar) and commercial lines coverages
• Knowledge of social, economic and competitive aspects of territory assigned
• National and local business conditions and trends
• Account and portfolio pricing based on goals and expense initiatives
• Underwriting and marketing philosophy and procedure
• Basic mathematics and the application of formulas

Ability to:

• Correlate risk factors to underwriting standards to determine acceptance of risk
• Analyze problems and develop effective, pragmatic solutions
• Effectively exchange ideas, information and influence others
• Obtain and maintain a valid Driver License and operate a vehicle.
• Perform and produce consistently under pressure of deadlines within production standards
• Use assigned underwriting authority to drive profitable results

Career Path potential:

• Agri Business Underwriting Specialist
• Regional Underwriting Team Leader

Salary Range: $63,729 - $105,153

The salary range listed here has been provided to comply with local regulations and represents a potential base salary range for this role. Please note that actual salaries may vary within the range above or below, depending on experience and location. We look at compensation for each individual and base our offer on your unique qualifications, experience, and expected contributions. This position may also be eligible for other types of compensation in addition to base salary, such as benefits and bonus programs.