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At Farmers, we’re not just known for unforgettable jingle – we’re a team with a passion for purpose and making a real difference in people’s lives. We deliver peace of mind when it matters most. Our results-driven, high-performance culture thrives on creativity, accountability and bold solutions. Here, growth isn’t just a goal – it’s a way of life for both the organization and every individual on our team. We tackle challenges head-on, learn from every experience and measure our impact on the customers who trust us.

Join an award-winning, equal opportunity employer, where you’ll find more than a job – you’ll find a supportive community. Enjoy competitive benefits, take part in meaningful volunteer projects, and help shape the future alongside talented colleagues across all backgrounds. At Farmers, helping others is at the heart of what we do.

Ready to make your mark? Discover our vibrant culture and explore career opportunities at www.Farmers.com/careers/corporate. Connect with us on Instagram, LinkedIn and TikTok, and let’s build something incredible together!

Workplace: Hybrid ( #LI-Hybrid ), Remote ( #LI-Remote )

Farmers believes in a culture of collaboration, creativity, and innovation, which thrives when we have the ability to work flexibly in a virtual setting as well as the opportunity to be together in person. Our hybrid work environment combines the best of both worlds with at least three (3) days in office and up to two (2) days virtual for employees who live within fifty (50) miles of a Farmers corporate office. Applicants beyond fifty (50) miles may still be considered.

Job Summary

This position provides advanced technical underwriting expertise and authority, directly supporting underwriting centers through complex risk assessment, referral decisions, and consultation. The role serves as a primary escalation point for high-exposure accounts, ensuring sound risk selection and alignment with underwriting strategy and appetite.

Essential Job Functions

Evaluate and approve complex and high-exposure risks beyond standard underwriting authority levels.
Serve as a key referral and escalation point for underwriting teams, exercising judgment on large or non-standard accounts.
Provide guidance to underwriting centers, field underwriters, and leadership on risk selection, coverage, pricing considerations, and account management for complex or atypical risks.
Review and assess large or complex submissions, providing recommendations and decisions that support profitability and adherence to underwriting standards.
Monitor loss trends, large losses, and portfolio performance indicators to inform underwriting decisions and provide guidance that supports profitability, growth, and retention objectives. Lead the underwriting partnership with claims in the loss reformation investigation process.
Conduct targeted underwriting reviews focused on technical decision-making and risk selection.
Identify trends and provide feedback to improve underwriting quality and consistency.
Partner with internal teams to support underwriting decisions, address complex risks, and ensure alignment with business objectives and regulatory requirements, including coordination and portfolio management of individual account reinsurance placements and collaboration with the reinsurance team on annual facility placements.
Support development of underwriting capabilities by providing technical guidance, mentorship, and input into training initiatives for underwriting staff.
Perform other duties as assigned.

Education Requirements

High School Diploma or equivalent required.
Bachelors degree preferred.
CPCU, CIC, or equivalent designation preferred.

Experience Requirements

8+ years experience in commercial lines underwriting with demonstrated technical experience.
Experience in underwriting areas of Liability, Work Comp & Business Auto preferred.
Guidewire experience preferred.

Additional Qualification

Experience providing technical consultation and referral support, including applying underwriting guidelines, authority levels, and risk selection practices in a high-volume environment. Possesses strong technical aptitude. Strong technical underwriting judgment and ability to make consistent decisions aligned to appetite, profitability, and compliance requirements. Ability to influence internal and/or external constituents. Ability to communicate clearly and confidently with UW Centers and cross-functional partners; strong consultation and influence skills. Demonstrated analytical skills. Demonstrated problem solving skills. Ability to drive multiple projects to successful completion. Demonstrated ability to drive execution and adoption of underwriting changes. Excellent organizational skills.

Physical Actions

Job is performed in-person at a Farmers office or virtually at an approved alternative work location. The physical work environment is indoors and climate-controlled with adequate lighting and ventilation. Normal and customary distractions include background noise produced by office equipment and chatter among people, as well as interruptions. Frequently sits for prolonged periods of time, up to a full shift. Occasionally moves about the workplace including, navigating stairs, ramps, and level or uneven surfaces. Occasionally moves, pushes, pulls, lifts, carries, and/or places objects or materials weighing up to 25 pounds without assistance. Frequently uses shoulders, arms, hands, and fingers to manipulate equipment, tools, and objects necessary to perform job duties. Frequently performs fine motor tasks such as typing, mousing, or writing, up to a full shift. Rarely performs movements such as bending, stooping, crouching, kneeling, twisting, and reaching overhead or below the knees. Possesses clear vision, with or without correction, to visually read and verify information. Relies on depth perception and peripheral vision to navigate the work environment visually by identifying barriers, changes in terrain and locating objects. Possesses adequate hearing, with or without correction, to communicate with co-workers, respond promptly to auditory signals or alarms, and discern sounds essential for maintaining safety and productivity in the workplace. Jobs in this category require rare, if any, travel.

Benefits

Farmers offers a competitive salary commensurate with experience, qualifications and location.
o CA Only: $115,275 - $196,130
o CO & ME: $108,375 - $169,070
o HI/IL/MN/VT Only: $108,375 - $181,060
o MA Only: $108,375 - $181,060
o MD & VA: $108,375 - $181,060
o DC/NJ/NY/OH Only: $108,375 - $196,130
o Albany County, NY/Cleveland, OH: $115,275 - $169,070
o WA Only: $108,375 - $205,750
Bonus Opportunity (based on Company and Individual Performance)
401(k)
Medical
Dental
Vision
Health Savings and Flexible Spending Accounts
Life Insurance
Paid Time Off
Paid Parental Leave
Tuition Assistance
For more information, review “What we offer” on https://www.farmers.com/careers/corporate/#offer

Job Location(s): R_US - United States

Anticipated application deadline: At Farmers, the recruitment process is designed to ensure that we find the best talent to join our team. As part of this process, we typically close open positions within 8 to 21 days after posting. If you are interested in any of our open positions, we encourage you to submit your application promptly.

Farmers will consider for employment all qualified applicants, including those with criminal histories, in accordance with the Los Angeles Fair Chance Initiative for Hiring Ordinance or other applicable law. Pursuant to 18 U.S.C. Section 1033, Farmers is prohibited from employing any individual who has been convicted of any criminal felony involving dishonesty or a breach of trust without prior written consent from the state Department of Insurance.

It is unlawful in Massachusetts to require or administer a lie detector test as a condition of employment or continued employment. An employer who violates this law shall be subject to criminal penalties and civil liability.

Farmers is an Equal Opportunity Employer and does not discriminate in any employer/employee relations based on race, color, religion, gender, sexual orientation, gender expression, genetic information, national origin, age, disability, marital status, military and veteran's status, or any other basis protected by applicable discrimination laws.

Want to learn more about our culture & opportunities? Check out www.Farmers.com/careers/corporate and be sure to follow us on Instagram, LinkedIn, and TikTok.

Spokane, WA only: Residents who prefer not to provide their address click here to submit your resume via email: [email protected]

Farmers Insurance

Technical Underwriting Consultant - Business Insurance

About the Job

Requirements

Responsibilities

Desired Qualifications