Underwriting Associate - Large Accounts

At EMC, we’re all about working together to make an impact. As part of our team, you’ll have the opportunity to grow, contribute, and gain experience that matters. We strive to be caring leaders, close partners, and responsive experts—always supporting each other to do our best work. Join us, and let’s improve lives together. **This position is eligible to work from home anywhere in the United States** As a Large Accounts Underwriting Associate, you'll help drive profitable growth by supporting the underwriting of complex commercial accounts, analyzing risks, and delivering exceptional service to agents and brokers. Working closely with underwriters and business partners, you'll contribute to strategic account decisions, strengthen agency relationships, and help position EMC's Large Accounts portfolio for long-term success. Essential Functions: Lead renewal preparation for an assigned portfolio, supporting profitability, retention, and pricing objectives. Evaluate account risk profiles and determine renewal eligibility according to underwriting guidelines. Identify items outside authority and prepare analysis to support approval decisions. Ensure submission quality by validating classifications, reviewing loss runs, and coordinating rating activities. Receive, triage, and prepare new business submissions for underwriter evaluation. Apply underwriting-directed pricing updates and assemble proposal materials for review. Build strong relationships with agents and brokers to support retention and new business growth. Serve as a primary contact for agent inquiries, resolving endorsement, renewal, and policy-related issues. Review and approve endorsements, reinstatements, and cancellations within established authority. Assess the impact of policy changes by analyzing coverage, claims history, and loss experience. Partner with internal teams to deliver timely solutions for agents and insureds. Provide operational and underwriting support while developing expertise in EMC's underwriting appetite, tools, and systems. Education & Experience: Associate degree or equivalent relevant experience One year of insurance industry experience or related experience Experience supporting large commercial accounts, including $500K+ premium accounts, loss-sensitive programs, and complex risk exposures, strongly preferred Bachelor’s degree may be considered in lieu of the insurance industry experience requirement Knowledge, Skills, & Abilities: Attention to detail and accurate data entry skills Good personal computer skills with proficiency in Microsoft products General knowledge of insurance terminology Good problem-solving and decision-making skills Excellent customer service and communication skills Strong organizational and time management skills Strong negotiation skills Ability to work in a team setting as well as independently Occasional travel; a valid driver’s license with an acceptable motor vehicle report per company standards required if driving The hiring salary range for this position will vary based on geographic location, falling within either of the following: $51,201 - $70,730 or $56,581 - $77,796 A hiring range represents a subset of the full salary range. The actual salary will depend on several factors, including relevant education, skills, and experience of an applicant, geographic location, and business needs. All of our locations are tobacco free including in company vehicles. Why should you choose to apply for a position at EMC? We can give you plenty of reasons why EMC is a great place to work: More than 105 years of financial strength and stability Named a five-star insurance carrier by Insurance Business America Two-time recipient of the Best Practices Award of Excellence from the Independent Agents & Brokers of America Multiple locations recognized as Top Workplaces based solely on team member feedback Corporate culture that engages and empowers team members to achieve their best Outstanding benefits with life, medical, dental, vision and prescription drug coverage Competitive paid time off plan and a full day of volunteer time off annually Financial incentives, including a 401(k) plan match, pension plan, OneEMC bonus plan and recognition and anniversary awards Professional development and growth opportunities, including tuition reimbursement Wellness initiatives to improve team member well-being and reduce health insurance costs Flexibility to dress for your day and opportunities for alternative work arrangements EMC complies with labor law requirements. View the federal and e-verify labor law posters. Notice at Collection Privacy Policy (EMCC) – California Consumer Privacy Notice (EMCNL) – California Consumer Privacy Notice