Commercial Lines Underwriter P&C – Middle Market

Job description

Experience Aviva

Individually we are people, but together we are Aviva. Individually these are just words, but together they are our Values – Care, Commitment, Community, and Confidence.  

At Aviva Canada, we put people first, our employees, our customers, and our communities. We’re proud of a culture built on care, inclusion, and collaboration, where your voice matters and your growth is supported. We’re not just about insurance; we’re about making a real difference by protecting what matters most. 

The Opportunity

We are seeking an experienced and results-driven Intermediate/Senior Commercial Lines Underwriter to join our Commercial Insurance team. In this role, you will be responsible for underwriting, growing, and managing a profitable portfolio of mid-market to large commercial Property & Casualty accounts, typically with premiums exceeding $25,000.

The successful candidate will bring strong technical underwriting expertise, sound business judgment, and a passion for delivering exceptional broker service. You will play a key role in building and maintaining trusted broker relationships while identifying profitable growth opportunities and ensuring long-term portfolio performance.

What you’ll do

Underwriting & Portfolio Management

- Evaluate, select, price, and negotiate new business, renewals, and policy changes within delegated underwriting authority.

- Manage a portfolio of mid-market and large commercial Property & Casualty accounts, ensuring profitability and sustainable growth.

- Assess risk exposures through financial analysis, loss history reviews, industry trends, and other relevant underwriting information.

- Structure and negotiate appropriate coverage, terms, and pricing while balancing risk selection and business objectives.

- Monitor portfolio performance and implement corrective actions where required to achieve underwriting profitability targets.

Broker Relationship Management

- Develop and maintain strong partnerships with assigned broker partners through consistent communication, responsiveness, and service excellence.

- Serve as a trusted advisor by providing underwriting expertise and market insights to brokers.

- Collaborate with brokers to identify and capitalize on new business opportunities while strengthening retention and portfolio growth.

Market Intelligence & Risk Assessment

- Maintain a strong understanding of market conditions, competitive trends, emerging risks, and pricing dynamics within your region.

- Utilize risk management, loss control, and exposure analysis tools to support sound underwriting decisions.

- Stay informed of industry developments and regulatory changes that may impact underwriting practices and portfolio results.

Collaboration & Leadership

- Work collaboratively with Auto underwriting, Claims, Risk Control, and other internal teams to deliver comprehensive underwriting solutions.

- Contribute to business initiatives, process improvements, and underwriting best practices.

- For Senior-level candidates, provide mentorship and technical guidance to junior underwriting team members.

What you’ll bring

- Minimum 5 years of Commercial Property & Casualty underwriting experience, preferably with mid-market and large commercial accounts.

- Proven success in managing and growing a profitable commercial insurance portfolio, including both new business and renewals.

- Strong understanding of commercial underwriting principles, risk assessment methodologies, coverage analysis, and pricing strategies.

- Demonstrated ability to exercise sound judgment and make quality underwriting decisions within delegated authority levels.

- Excellent sales, marketing, negotiation, and relationship-management skills.

- Proven ability to collaborate effectively across underwriting teams and business units.

- Exceptional communication and customer service skills with a broker-focused mindset.

- Highly organized, self-motivated, and capable of managing multiple priorities in a fast-paced environment.

- Ability to work independently while contributing positively to team objectives.

Education & Professional Designations

- Completion of a post-secondary degree or diploma in Business, Finance, Insurance, or a related field is considered an asset.

- CIP designation completed or actively pursuing designation; advanced industry designations such as FCIP or CRM are considered assets.

What Success Looks Like

- Consistently delivers profitable underwriting results.

- Builds and strengthens broker relationships through exceptional service and responsiveness.

- Demonstrates strong risk selection and portfolio management capabilities.

- Contributes to team success through collaboration, knowledge sharing, and continuous improvement.

- Identifies opportunities to expand business while maintaining underwriting discipline.

What you’ll get

- The salary band for this position ranges from $60,000 to $80,000 Please note that individual salary is determined by factors such as job-related knowledge, skills, experience, as well as internal equity.

- Compelling rewards package including base compensation, eligibility for annual bonus, retirement savings, share plan, health benefits, personal wellness, and volunteer opportunities. 

- Hybrid flexible work model .

- Outstanding career development opportunities.

- We’ll support your professional development education.

- Competitive vacation package with the option to purchase 5 extra days off per year. 

- Employee-driven programs focused on gender, LGBTQ+, origins, diversity, and inclusion. 

- Corporate wellness programs to support our employees’ physical and mental health. 

Please note that we may use AI tools to help us through the recruitment process. This is a new position which has been posted externally & internally .   Aviva Canada has an accommodation process in place to provide accommodations for employees with disabilities. If upon commencement of employment you require a specific accommodation because of a disability, please contact your Talent Acquisition Partner so that an appropriate accommodation can be arranged. This process applies throughout your career with Aviva Canada.