Personal Lines Property and Casualty Underwriter - ll

About Portage Mutual: Where Your Talent Makes a Difference

Imagine a workplace where your contributions are not only valued but also directly impact the lives of Canadians.

At Portage Mutual

Insurance, we’re more than just a trusted national property and casualty insurer—we’re a community of passionate individuals dedicated to serving our policyholders since 1884. Owned by our policyholders, we proudly offer competitive home, auto, commercial, and farm insurance products 100% through our broker network across Canada. Join a company rooted in tradition, driven by innovation, and powered by a people-first culture.

Why Portage Mutual?

At Portage Mutual, we believe that our people are our greatest asset. Here, you’ll find:

• Total Rewards: We care about your well-being and financial security. That’s why we offer a competitive salary, incentive plan, comprehensive health benefits, a pension plan and generous paid time off, including personal days.
• Career Growth & Development: Propel your career forward with access to diverse learning resources, tuition reimbursement for relevant programs, and bonuses recognizing your achievements in pursuing insurance designations.
• Flexibility: We support work-life integration by offering a flexible environment where you can choose to live wherever you prefer in Canada. Enjoy the freedom to select remote, in-office, and hybrid work arrangements that best suit your lifestyle.
• Inclusivity and Belonging: Be a part of a supportive and diverse team that embraces your unique perspective and empowers you to succeed. We’re dedicated to creating a workplace where every employee feels welcomed, valued and respected.
• Making a Difference: Find purpose in your career by aligning with an organization that shares your values and is committed to making a difference in the communities we serve.

The Opportunity: Intermediate Underwriter (Bedford, NS)

As an Intermediate Underwriter, you’ll play a crucial role in supporting our underwriting team by:

• Evaluating and underwriting moderately complex, high-value property and casualty insurance risks in line with company guidelines and risk appetite.
• Conducting strategic risk assessments and leveraging market research to inform underwriting decisions.
• Building and maintain strong relationships with brokers and internal stakeholders to support business development.
• Mentoring junior underwriters and providing expert guidance to support team capability and consistency.
• Representing the company at industry events and ensuring underwriting practices stay aligned with evolving regulations and market trends.

We're looking for a detail-oriented, enthusiastic team player who embodies our company values and is committed to providing top-notch service.

What You’ll Do:

• Evaluate and underwrite new and existing business, renewals and endorsements, focusing on moderately complex and high-value property and casualty insurance risks.
• Uphold the quality and profitability of the program’s portfolio by adhering to underwriting standards and referring risks beyond delegated authority to supervisory levels.
• Work in partnership with other departments to identify key trends and provide strategic recommendations. Aim to achieve positive outcomes for clients, brokers, and the company.
• Demonstrate our commitment to effective risk management by following up on outstanding recommendations and ensuring their implementation.
• Analyze large loss events, provide detailed reports, and discuss remediation strategies to mitigate future risks.
• Engage in market research to identify emerging trends, enabling the development of innovative product offerings.
• Identify potential issues in loss ratios and risk trends. Implement effective strategies to address anomalies and ensure portfolio stability.
• Guide and support junior underwriters, enhancing their technical expertise and decision-making capabilities.
• Effectively communicate and clarify underwriting business rules and guidelines to brokers, ensuring a shared understanding and adherence to established standards.
• Address inquiries and provide prompt, clear responses to brokers through both verbal and written channels, facilitating effective and efficient communication.
• Deliver a superior broker experience characterized by confidence, responsibility, and professionalism, reinforcing the company's reputation for excellence in the industry.
• Stay current with industry trends, emerging developments, and regulatory changes to ensure underwriting practices remain compliant and competitive.
• Act as a subject matter expert, representing the company at industry events, forums, and conferences to enhance the company's reputation and d