Farm/Commercial Underwriter

Salus Mutual is seeking an experienced Farm & Commercial Underwriter to join our Underwriting team during a key period of system and wording modernization. This role is ideal for a knowledgeable underwriter who can confidently navigate OMIA wordings, Farm Mutual Re requirements, and the unique complexities of mutual insurance. Experience with Cognition software is a strong asset during this conversion period.

Why Join The Team?

At Salus Mutual, we believe in equipping our people with the guidance, trust, and professional support they need to excel in complex underwriting work. You're not just processing files here — you're a key decision-maker contributing to how we protect the communities we serve. You'll be part of a collaborative, knowledgeable team that values accountability, strong judgment, continuous learning, and underwriting excellence.

The Role

As a Farm/Commercial Underwriter, you will evaluate and underwrite a broad range of commercial, farm, residential, and automobile risks. You will analyze submissions, apply underwriting guidelines, determine rates and coverage, and work closely with agents to ensure the right decisions are made for policyholders and for the company. Your responsibilities will include:

• Reviewing, analyzing, and assessing commercial, farm, residential, and automobile risks in accordance with underwriting guidelines and company standards
• Determining policy details, including rates, coverage, and premiums, using information from Claims, Farm Mutual Re, OMAP, and OMIA
• Providing agents with exception approvals for risks that fall outside standard guidelines
• Offering information and support to agents, including answering technical questions and sharing industry knowledge
• Ensuring compliance with large-risk and reinsurance procedures
• Ordering and coordinating risk inspections and completing all follow-ups as required

What We Are Looking For

We're looking for a skilled and detail-driven Farm & Commercial Underwriter who brings sound judgment, strong technical expertise, and the ability to assess and rate risks accurately while supporting our brokers, agents, and policyholders. You thrive in a fast-paced underwriting environment, apply guidelines with consistency, and bring a collaborative, solutions-focused mindset.

Experience & Expertise:

• Significant experience underwriting farm and commercial risks, ideally within a mutual insurance environment.
• Strong knowledge of OMIA farm and commercial wordings and underwriting practices.
• Working knowledge of Farm Mutual Re procedures, reinsurance requirements, and large-risk protocols.
• Experience reviewing risk inspections, liaising with agents, and determining coverage, rating, and premium.
• Familiarity with Cognition underwriting software (asset).
• Ability to assess risks across farm, commercial, residential, and auto portfolios as per business needs

Education & Designations:

• Postsecondary education or equivalent training and work experience.
• Chartered Insurance Professional (CIP) designation, or working toward it, considered an asset.

Technical Skills:

• Strong analytical and decision-making abilities with a solid understanding of risk evaluation.
• Proficiency with insurance software platforms; Cognition experience preferred.
• Ability to interpret and apply underwriting guidelines, reinsurance rules, and rating manuals.
• Excellent written and verbal communication skills, including clear, professional correspondence with agents.
• Demonstrated ability to work within delegated authority levels and request exceptions appropriately.

Personal Attributes

• Detail-oriented and accuracy-driven with strong organizational skills.
• Comfortable managing fluctuating workloads and meeting underwriting deadlines.
• Collaborative team player who maintains positive working relationships with internal and external partners.
• Integrity-focused, exercising sound judgment and maintaining confidentiality.
• Resourceful, adaptable, and committed to continuous learning and industry development.

Why Salus Mutual?

• A competitive total compensation package, including a base salary, comprehensive benefits, and a pension plan designed to support long-term financial well-being.
• A collaborative and people-first work environment that supports work-life balance and career development.
• Access to ongoing training and career advancement opportunities.
• An inclusive workplace that fosters innovation, teamwork, and continuous learning.
• A strong commitment to employee well-being, with a focus on health, wellness, and active involvement in the communities we serve.

Who We Are

Salus Mutual Insurance Company is a policyholder-owned organization founded on the principle of neighbour helping neighbour. As a locally based company, we are deeply committed to supporting and giving back to our communities. We take pride in delivering professional, friendly customer service through employees and agents who understand our policyholders' needs and put them first.

Interested?

Ready to take the next step in your career? Apply today by sending your resume and a brief cover letter to We look forward to hearing from you We thank all applicants for their interest and wish to advise that only those candidates selected for an interview will be contacted. Appropriate accommodations will be provided upon request throughout the recruitment and employment process as required under the Accessibility for Ontarians with Disabilities Act (AODA).

For more information about Salus Mutual Insurance Company please visit our website or follow us on Facebook, Instagram, or LinkedIn.

Job Type: Full-time

Pay: $60,000.00-$80,000.00 per year

Benefits:

• Casual dress
• Company events
• Company pension
• Dental care
• Disability insurance
• Employee assistance program
• Extended health care
• Life insurance
• Paid time off
• Wellness program

Work Location: Hybrid remote in Dutton, ON