Personal Lines Underwriter I

At Heartland Mutual Insurance, we’re more than just a company — we’re a community.

Proudly rooted in Ontario and Nova Scotia, we’re driven by a bold vision: to be the Best Mutual. Our team of passionate professionals doesn’t just follow the norm — we challenge it. We think differently, aim high, and deliver on our promise with a personal touch.

Here, you’ll be part of a culture that values authenticity, embraces change, and empowers you to make a meaningful impact every day. Together, we bring our purpose to life by living our values and putting people first.

Personal Lines Underwriter I - Waterloo, Ontario

This role is designed to build foundational underwriting expertise by supporting the assessment and evaluation of low complexity risks. The incumbent will learn and apply technical insurance knowledge, including product guidelines, rating tools, and policy terms, while developing sound decision‑making skills. Through hands‑on experience and training, they will gather and analyze customer information, prepare policy terms, and negotiate endorsements and renewals.

What you’ll do...

- Learn the technical aspects of insurance: assessing and evaluating risk to make empowered decisions;

- Understands and can apply basic knowledge of own product area (guidelines and rules, philosophies, services, ratings and available tools);

- Recognizes limitations in knowledge of risks and seeks assistance as required;

- Understands and can explain the basic terms, conditions and exclusions for the policy coverage provided in own specific areas of expertise;

- Seeks full understanding of risks, and where facts may be missing, uses additional underwriting tools, apps, reports, inspections to gain increased knowledge of risk;

- Participate in, or provide training and development initiatives to constantly enhance the quality of decision making;

- Underwrite and negotiate low complexity renewals and policy endorsements;

- Gathering background information on potential customers from information provided in proposal forms for insurance;

- Analyzing all relevant data using appropriate software to determine whether the level of risk is acceptable;

- Preparing the terms and conditions of insurance policies.

What you’ll bring...

- 1 to 3 years of experience in the insurance industry

- Post‑secondary education, working towards CIP designation

- You have exemplary analytical skills and can make informed decisions.

- You are a skilled communicator who can adapt your approach to your audience.

- You can influence decisions and negotiate strategically.

- You are an enthusiastic learner who thrives within a team or independently.

- Effective communication and interpersonal skills, both written and verbal.

- You have proven decision‑making and analytical skills, including the ability to determine how to grow business profitability through assessment and analysis of individual risks.

If you have the qualifications we are seeking and would thrive in a work environment where you are valued and respected, please apply on the company website. Accommodation is available on request for candidates taking part in all aspects of the selection process.

What’s in it for You:

- Join a Supportive Team:Be part of a collaborative and high‑performing team that values knowledge sharing and celebrating wins together.

- Comprehensive Total Rewards:Enjoy a competitive compensation package, including health and wellness benefits, pension plan, paid time off, and more.

- Career Growth & Development:Take advantage of continuous learning opportunities and stretch assignments.

- Make an Impact:Play a key role in helping customers navigate challenging situations with empathy and expertise.

- Inclusive Culture:Work in an environment that embraces diversity, equity, inclusion and belonging.

At Heartland Mutual Insurance, you’re empowered to thrive. Whether it’s your career, your well‑being, or your future, we’ve got you covered.

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