Commercial Underwriter

Zensurance is a scale-up InsurTech company that is disrupting the commercial insurance market. At Zensurance, we want to empower small businesses across Canada to thrive by offering an honest, simplified, and modern approach to insurance. Our main recipe is a combination of modern technology and insurance industry expertise powered by our talented team members.

Being a technology-forward company, we utilize various tools and platforms to create fun, engaging and meaningful work experiences for our employees, as a remote-first company.

We are boldly going where no insurance broker has gone before

Our underwriting team focuses on automating excessive administrative and data entry tasks to allow our underwriters to focus on building strong relationships with their brokers and insurance partners. Utilizing data and insights, you will be responsible for maintaining and growing our underwriting authority by binding policies through our internal facilities.

This is a remote role, and the team member can work from anywhere in Canada. #LI-Remote

**Responsibilities**:

- Own referral underwriting of multiple lines of business, including professional lines and medical malpractice.
- Work closely with the broking team to provide quotes, guidance and place risks within our in-house facilities.
- Partner with the Insurance Analytics team to review Zensurance’s binding authority programs.
- Have access to program data in real-time to understand current performance and make data-driven recommendations in terms of expanding authority.
- Negotiate with partner insurers on terms and conditions that fall outside our authority.
- Proactively identify cause-and-effect relationships and explore alternative solutions to support sound decision-making.
- Maintain data integrity to support the underwriting processes and help the team's objectives.
- Adhere to underwriting standards and good practices to minimize risk.
- Ensure full understanding of in-house program underwriting requirements, including endorsements and limits.
- Assist in auditing in-house policies for adherence to our underwriting guidelines.
- Own referral underwriting of multiple lines of business, including professional lines and medical malpractice.
- Assist with wording comparisons across different insurance companies.
- Partner with Senior Underwriters, Underwriting Specialists and the Director of Underwriting in the process of evaluating new program opportunities, creating the desired underwriting guidelines, and comparing current coverage offerings in the market.
- Keep up to date with industry trends to deliver excellence in underwriting and continuously build expertise.
- Where appropriate, escalate difficult or complex items and customer complaints or inquiries to Senior Underwriters or the Director of Underwriting.
- Perform other duties as assigned.

**Requirements**:

- University degree or college diploma in a recognized technical, vocational or academic program or equivalent work experience.
- Minimum 1 year of commercial underwriting experience.
- Technical underwriting experience in professional services and or medical malpractice risks.
- Working towards or completing of CIP/ CAIB/ CRM courses would be considered an asset.
- In-depth knowledge of Commercial wording and pricing.
- Advanced MS Office Suite, including Word, PowerPoint and Excel.
- Proficiency with Google Workspace, Zoom and Slack, or similar office tools.
- Proficiency with Adobe and Salesforce.
- Exceptional problem-solving and analytical skills.
- Able to communicate effectively with stakeholders, both verbally and written.
- Able to collaborate with team members and take the lead in group settings.
- Ability to maintain confidentiality and exercise discretion.

**Perks we offer at Zensurance**:

- Opportunity to work for Canada’s fastest-growing #insurtech scale-up
- Primarily remote work environment available to everyone
- Laptop, extra monitor and main accessories are provided
- Extra home office and supplies allowance to help with work-from-home set up
- Comprehensive and flexible health and dental plans to suit all lifestyles, including mental health
- Health/Personal Spending Accounts to subsidize your healthy habits and purchases
- Parental Leave Top Up
- Work from anywhere opportunities up to 60 days per occurrence
- Weekly Friday companywide huddles for casual catch-ups with other departments
- Build next-level relationships with your peers through scheduled companywide virtual and in-person team-building events
- Be a part of something special. We are confident you won’t find any other insurance company like us :)

**Who we are. What we're building.**

Business is hard work, insurance doesn’t have to be

At Zensurance we believe that
**teamwork** makes the
**dream work**.

We are passionate about providing business owners with the best insurance solutions at great rates through an online and easy-to-use platform.

Our secret sauce is all about our culture. H