Full-Time

Underwriter Trainee-Commercial Lines Insurance

Posted on 11/7/2025

Encova

Encova

Provides commercial, auto, and home insurance

Compensation Overview

$44k - $70.3k/yr

+ Bonus

Columbus, OH, USA + 1 more

More locations: Charleston, WV, USA

Hybrid

Category
Finance & Banking (1)
Required Skills
Excel/Numbers/Sheets
Requirements
  • Demonstrated professional or insurance experience may substitute for educational requirements.
  • Working knowledge of technology applications and ability to support business functions.
  • Solid communication and presentation skills.
  • Ability to interact in a team environment and to collaborate with other business units for information gathering, reporting results, training, etc.
  • Critical thinking: Ability to assess an individual situation and select applicable alternatives from an array of options, resulting in the most appropriate and sustainable decision.
  • Strong organizational skills, including the ability to manage multiple projects and work with minimal direction.
  • Excellent analytical, research and writing skills.
  • Ability to adjust priorities based on changing situations.
  • Ability to apply confidentiality when appropriate.
  • Ability to recognize and analyze problems and develop timely solutions.
  • Ability to establish and maintain effective working relationships with others to achieve objectives.
  • Ability to solve practical problems and to interpret a variety of instructions furnished in written, oral, diagram, or schedule form.
  • Ability to exhibit impartiality and openness to the views of others.
  • Proficient in Excel.
Responsibilities
  • Successfully complete assigned commercial lines trainee program modules.
  • Review coverage applications and financial requirements for risks, and work with experienced underwriter(s) to determine acceptability of risk in accordance with company guidelines and standards.
  • Complete thorough risk analysis on designated accounts using appropriate Encova, NCCI, ISO, and state applicable industry rules, policies, procedures, guidelines, etc.
  • Review pricing based on financial, competitive, and risk analysis, and work with underwriters to determine appropriate pricing.
  • Review and confirm proper classification.
  • As appropriate, present quotes and answer questions from agencies, policyholders or other external contacts and present issues to management as necessary.
  • Review loss control reports and follow up on outstanding recommendations.
  • Notify agencies of underwriting decisions, rate appeal decisions, underwriting requirements, status and declinations.
  • Stay apprised of applicable state laws, guidelines, and regulations, industry activity and trends as appropriate.
  • Effectively utilize industry rules and guidance to ensure proper policy construction.
  • Manage existing and prospective accounts by actively participating in account renewals, new business presentations and discussions with agents.
  • Clarify policy wording for agents.
  • Apply knowledge of rating plans, employer financial standing and credit risk, employer accident experience, rules and underwriting standards to effectively handle inquiries.
  • Travel to various locations to support business objectives whenever necessary.
  • Nonessential function: other duties as assigned.
Desired Qualifications
  • Bachelor’s degree from an accredited college or university is preferred (business administration, finance, economics, insurance, accounting, risk management, engineering, actuarial science or other business-related areas strongly preferred).

Encova Insurance offers commercial, auto, and home insurance sold through more than 2,000 independent agencies in the Midwest, Northeast, and South. Its policies are underwritten, priced, and administered by the mutual carrier, with premiums, reserves, and assets backing claims and policy obligations. It stands apart from competitors as a top-25 mutual insurer with a strong A (excellent) rating from AM Best and a large regional agency network. Its goal is to provide dependable insurance solutions to policyholders across its regional footprint while maintaining financial strength and local market alignment.

Company Size

N/A

Company Stage

N/A

Total Funding

N/A

Headquarters

Columbus, Ohio

Founded

1899

Simplify Jobs

Simplify's Take

What believers are saying

  • Lingala drives large-scale IT transformations enhancing operational efficiency.
  • Sapiens empowers 2,000 agents' business decisions without IT dependency.
  • Ivans integrations boost real-time agency management and partnerships.

What critics are saying

  • Laska's advisory role through 2025 creates knowledge gaps disrupting projects.
  • Lingala's big-firm experience stalls Encova's smaller-scale digital efforts.
  • CIO reliance risks agent attrition to Next Insurance in 6-12 months.

What makes Encova unique

  • Encova centralizes decision intelligence via Sapiens Decision on agent portal.
  • Ramu Lingala leads IT with 25+ years from Liberty Mutual and State Auto.
  • Encova wins 2025 Ivans Spark gold for digital agent tools like Ask Kodiak.

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Benefits

401(k) Retirement Plan

401(k) Company Match

Wellness Program

Flexible Work Hours

Company News

FF News
May 15th, 2025
Encova Insurance Appoints Ramu Lingala As Chief Information Officer

Encova Insurance has named Ramu Lingala as its new Executive Vice President and Chief Information Officer, succeeding longtime CIO Tony Laska, who will retire at the end of this year.Lingala officially assumed the role on May 1 after joining the company in February to become familiar with its operations and culture.Laska, who has held key leadership roles at BrickStreet, Motorists, and Encova, will remain with the company in an advisory capacity through the end of 2025.“I want to congratulate Tony on a successful career and thank him for his unmatched contributions to BrickStreet, Motorists and now Encova,” said Encova President and CEO TJ Obrokta Jr. “I still remember recruiting him many years ago and the remarkable impact he had during the early years of BrickStreet. With that said, we are very excited to have Ramu join our senior leadership team as Tony’s successor. Under Ramu’s IT leadership, we will continue improving our systems and strengthening our capabilities as we strive to be the carrier of choice for our agents and policyholders.”As CIO, Lingala will oversee Encova’s technology teams, ensuring seamless operations for associates, customers, and partners. He will also work closely with business teams to advance the company’s enterprise strategy and collaborate with IT leaders to guide technology roadmaps and execution.Lingala brings more than 25 years of experience in information technology leadership. Prior to joining Encova, he served as Vice President of Business Lines Technology at Liberty Mutual, where he led large-scale transformation programs and restructured IT operating models.Encova’s leadership transition highlights the company’s continued focus on innovation and operational excellence as it moves into a new chapter of digital transformation

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