Senior Underwriter - Commercial Lines

MMG Insurance is seeking an experienced Senior Commercial Underwriter to play a key role in the profitable growth and management of our Commercial Lines book of business. This position combines strong technical underwriting expertise, leadership, agency relationship management, and portfolio oversight. The Senior Commercial Underwriter evaluates and manages complex commercial risks while serving as a trusted partner to agents, internal teams, and fellow underwriters.

This role is based in our Presque Isle, Maine office (hybrid schedule) and reports to the Commercial Lines Manager.

What You'll Do:

• Underwrite and manage complex new and renewal commercial accounts within underwriting authority.
• Analyze financial statements, loss history, operations, industry exposures, and risk characteristics to make sound underwriting decisions.
• Determine appropriate pricing, coverages, deductibles, limits, and policy terms.
• Provide technical guidance, mentorship, and support to underwriting staff on complex underwriting issues.
• Build and maintain strong relationships with agency partners to drive profitable growth and deliver exceptional service.
• Negotiate underwriting terms and coverage solutions with agents and brokers.
• Monitor territory and portfolio performance, including growth, retention, loss ratio, rate achievement, and underwriting quality.
• Review underwriting audits, claims activity, and coverage issues to identify trends and improvement opportunities.
• Collaborate with Claims, Marketing, Risk Control, Product, and other internal teams to support underwriting excellence and business objectives.
• Participate in agency reviews, book-of-business reviews, underwriting initiatives, training programs, and operational projects.
• Research market conditions, industry trends, and emerging risks to support profitable growth strategies.
• Travel periodically for agency visits, meetings, industry events, and training opportunities.

What You Bring:

• Bachelor's degree or equivalent experience preferred.
• 6+ years of Commercial Lines underwriting experience, including complex commercial risks.
• Strong knowledge of commercial insurance coverages including:
  • Commercial Property
  • General Liability
  • Commercial Auto
  • Businessowners Policy (BOP)
  • Commercial Package Policy (CPP)
  • Inland Marine
  • Umbrella/Excess Liability
• Proven ability to evaluate complex accounts and balance growth and profitability objectives.
• Experience coaching, mentoring, or providing technical guidance to underwriting staff.
• Strong understanding of agency operations and agency relationship management.
• Experience analyzing underwriting results, portfolio performance, and business metrics.
• Excellent analytical, negotiation, problem-solving, and decision-making skills.
• Strong verbal and written communication skills.
• Professional designations such as CPCU, AU, ARM, or similar are preferred.
• Ability and willingness to travel approximately 20-25%.

Core Competencies

• Risk Assessment
• Pricing & Profitability Analysis
• Portfolio Management
• Agency Relationship Management
• Financial Analysis
• Decision Making
• Negotiation
• Customer Service
• Collaboration
• Leadership & Mentoring

Success Measures
Success in this role may be measured through:

• Profitable new business growth
• Renewal retention
• Loss ratio performance
• Rate achievement
• Quote-to-bind ratio
• Turnaround time
• Agency satisfaction
• Portfolio quality and mix
• Underwriting audit results

Compensation Range: The anticipated annual salary range for this position is $91,000 – $117,000. This position may be filled at different levels depending on the candidate's experience and qualifications and the final title, level, and compensation will be determined based on the selected candidate's qualifications, experience, skills, and overall fit for the role. Compensation decisions are made in alignment with internal equity and market considerations.
 
Essential Functions:
The essential functions of this position include evaluating commercial insurance risks, making underwriting decisions and communicating effectively with internal and external partners. These responsibilities require prolonged computer use, strong attention to detail, and effective verbal and written communication. Consistent with applicable law, reasonable accommodations will be made to support individuals with disabilities in performing the essential functions of their job provided that such accommodations do not impose an undue hardship on the business. The organization will engage in an interactive accommodation process as needed.

Why MMG Insurance?
At MMG Insurance, we're committed to helping our employees build meaningful careers while maintaining a healthy balance between work, family, and community involvement. We offer a competitive total rewards package designed to support your professional growth, financial well-being, and overall health.

Benefits Highlights:

• Up to 7% employer contributions into a 401(k) retirement plan
• Short-Term Incentive Bonus Plan
• Comprehensive medical, dental, and vision insurance
• Generous paid time off and company holidays
• Tuition assistance and professional development opportunities
• Community involvement opportunities supported by MMG's commitment to giving back

Equal Opportunity Employer
MMG Insurance is an Equal Opportunity Employer. We are committed to creating an inclusive workplace where all qualified applicants and employees are treated with respect and dignity. Employment decisions are based on business needs, job requirements, and individual qualifications without regard to race, color, religion, sex, pregnancy, sexual orientation, gender identity, national origin, age, disability, genetic information, veteran status, military service, or any other status protected by applicable federal, state, or local law. MMG Insurance is committed to providing reasonable accommodation to qualified individuals with disabilities and to applicants throughout the recruitment process.