Intermediate Underwriter, Personal Lines Property and Casualty

Portagemutual; Bedford; Hybrid; GBP 45,000 - 60,000; Full time

Job summary

A leading insurance provider is seeking an Intermediate Underwriter for Personal Lines Property and Casualty in Bedford. This hybrid role requires evaluating moderately complex insurance risks, conducting risk assessments, and mentoring junior staff. Candidates should possess 3-5 years of underwriting experience in property and casualty, strong analytical skills, and a commitment to excellent broker relations. Join a forward-thinking company committed to community impact and employee growth.

Benefits

Competitive salary

Comprehensive health benefits

Pension plan

Paid time off

Flexible work arrangements

Qualifications

• 3-5 years of progressive underwriting experience in property and casualty sectors.
• Strong understanding of risk analysis and pricing strategies.
• Experience in mentoring junior underwriters.

Responsibilities

• Evaluate and underwrite moderately complex insurance risks.
• Conduct strategic risk assessments for underwriting decisions.
• Support and mentor junior underwriters.

Skills

Risk analysis

Pricing strategies

Insurance product development

Broker relationship management

Analytical capabilities

Education

Bachelor’s degree in finance, business, or related field

CIP designation (completed or in progress)

Tools

Microsoft Office Suite

Guidewire

Job description

Intermediate Underwriter, Personal Lines Property and Casualty

Bedford, NS, Canada

Job Description

Posted Tuesday, January 13, 2026 at 8:00 AM | Expires Friday, January 30, 2026 at 7:59 AM

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 Carroll, 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 miljø Portage Mutual?

• 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 yourcapability.
• 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:

• 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.

This is a hybrid, in office role_WINDOW 2-3 days per weekengineering Bedford, Nova Scotia.

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, լինել 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 deepen industry engagement.

What You’ll Bring:

• Minimum of 3-5 years of progressive underwriting experience within property and casualty insurance sectors.
• Strong understanding of risk analysis, pricing strategies, and product development across key segments such as property and casualty insurance.
• In‑depth knowledge of risk selection methodologies, insurance contracts, rating models, and sources of risk information.
• Working knowledge of related areas including claims, risk management, and accounting to enhance underwriting decisions.
• Deep familiarity with underwriting philosophies, statutory constraints, technical manuals, and rating programs.
• Proficient in Microsoft Office Suite and relevant underwriting systems (e.g., Guidewire ), with the ability to adapt to new technologies.
• Proven ability to establish and maintain professional,comings long‑term relationships with brokers and internal partners.
• Skilled at working with internal teams and brokers to deliver excellent service and optimal underwriting outcomes.
• Self‑motivated and proactive in identifying and capitalizing on new business opportunities with brokers.
• Attentive listener with the ability to respond to broker needs clearly and professionally.
• Demonstrated leadership skills, with experience in training, mentoring, and guiding team members.
• Every analytical capabilities, with a proven track record of assessing and managing risks effectively.
• Successful history of developing and implementing impactful underwriting strategies.
• Consistently applies accuracy, thoroughness, and meticulousness in all aspects of work.
• Ability to work independently while effectively collaborating within a team environment.
• Open to change, with a focus on continuous improvement and personal development.
• Bachelor’s degree in finance, business, or a related field or an equivalent combination of education and experience.
• CIP designation completed, actively in progress, or willing to work towards.

Ready to Make an Impact?

If you’re seeking a rewarding career with a company that values its employees and is committed to making a difference, we invite you to apply! If you have the qualifications we are seeking and would thrive in a work environment where you are valued and respected, please apply!

Portage Mutual Insurance is committed to providing accommodations for people with disabilities during all phases of the recruiting process, including the application process. If you require accommodation because of a disability, we will work with you to meet your needs. If you are selected for an interview and require accommodation, please advise the HR representative who will consult with you to determine an appropriate accommodation.

Please submit your resume and cover letter!

We thank you for your interest in Portage Mutual Insurance, however, only those selected for an interview will be contacted. (No agencies please).