Senior Personal Lines Underwriter
Top Benefits
About the role
At Heartland Mutual Insurance, we’re more than just a company — we’re a community. Proudly rooted in Ontario and Nova Scotia, we’re driven by a bold vision: to be the Best Mutual. Our team of passionate professionals doesn’t just follow the norm — we challenge it. We think differently, aim high, and deliver on our promise with a personal touch.
Here, you’ll be part of a culture that values authenticity, embraces change, and empowers you to make a meaningful impact every day. Together, we bring our purpose to life by living our values and putting people first.
Senior Personal Lines Underwriter - Waterloo, Ontario This role takes ownership of the investigative, analytical, and mathematical evaluation of insurance risks. By assessing customer information and applying sound analytical judgment, the Underwriter determines whether a risk profile is acceptable for the organization. This role is critical in ensuring that coverage decisions align with Heartland’s risk appetite and strategic goals, supporting sustainable growth and customer satisfaction.
What You'll Do...
- Underwrite and negotiate high risk/complexity renewals, policy endorsements and new business.
- Identify positive and negative trends in submissions being received and communicate findings to management.
- Negotiate the terms and conditions of risk acceptance with brokers in writing, by telephone, electronic mail or in person.
- Order inspections, or other underwriting information for use in the analysis of critical risk hazards and decision making.
- Uses underwriting knowledge to make recommendations for rate structure/pricing changes and underwriting or claims improvement.
- Develop and maintain strong stakeholder relationships through personal accountability and high-quality decision making.
- Build your professional networks – both at Heartland and industry events.
- Ensure corporate governance and regulatory compliance policies and procedures.
- Participate in, or provide training and development initiatives.
- Uses full knowledge of policy wordings to assist other staff and distributors with risk analysis, recommendation of missing coverage, and generation of additional product line sales.
- Provides guidance and training to other staff where underwriting authorities require referral to higher levels to ensure compliance and minimize company exposure.
What You'll Bring...
- Have more than 6 years of experience in the insurance industry.
- Post-secondary education, CIP designation.
- You have exemplary analytical skills and can make informed decisions.
- You are a skilled communicator who can adapt your approach to your audience.
- You can influence decisions and negotiate strategically.
- You are an enthusiastic learner who thrives within a team or independently.
- Effective communication and interpersonal skills, both written and verbal.
- You have proven decision-making and analytical skills, including the ability to determine how to grow business profitability through assessment and analysis of individual risks.
If you have the qualifications we are seeking and would thrive in a work environment where you are valued and respected, please apply on the company website. Accommodation is available on request for candidates taking part in all aspects of the selection process.
What’s In It For You
- Join a Supportive Team: Be part of a collaborative and high-performing team that values knowledge sharing and celebrating wins together.
- Comprehensive Total Rewards: Enjoy a competitive compensation package, including health and wellness benefits, pension plan, paid time off, and more.
- Career Growth & Development: Take advantage of continuous learning opportunities and stretch assignments.
- Make an Impact: Play a key role in helping customers navigate challenging situations with empathy and expertise.
- Inclusive Culture: Work in an environment that embraces diversity, equity, inclusion and belonging.
At Heartland Mutual Insurance, you’re empowered to thrive. Whether it’s your career, your well-being, or your future , we've got you covered.
About Heartland Mutual Insurance
Heartland Farm Mutual Inc. became a legal entity, formed from the merger of North Waterloo Farmers Mutual and Oxford Mutual. These two parent companies brought together long-standing experience in serving Ontario’s insurance needs. In August 2021, Heartland Farm Mutual amalgamated with The Kings Mutual Insurance Company of Berwick, Nova Scotia. The Kings Mutual Insurance Company has been fulfilling the needs of residential, commercial, and agricultural policyholders in Nova Scotia since 1904.
Heartland Farm Mutual is in your community. Whether you're in agriculture, a business owner or a homeowner, more than ever, people like you appreciate the value of the mutual insurance alternative.
Our Vision
To be the leading Mutual dedicated to fulfilling our promise with a personal approach.
Our Mission
Providing tailored insurance solutions through exemplary customer experience-building on our legacy of protecting agribusiness and communities.
Our Values
• Integrity – Our strong moral principles are demonstrated by our commitment to honesty and fairness in all our interactions. • Diversity and Inclusion – We recognize and appreciate diversity and value the contributions of all by fostering an inclusive environment. • Accountability – We deliver on our promises and assume ownership of our actions. • Community & Environment – We contribute positively to improve the quality of life and the sustainability of our communities. • Progressive – We seize value opportunities and embrace change. • Customer Focus – We focus on providing the best customer experience and create outcomes that deliver long term value.
Senior Personal Lines Underwriter
Top Benefits
About the role
At Heartland Mutual Insurance, we’re more than just a company — we’re a community. Proudly rooted in Ontario and Nova Scotia, we’re driven by a bold vision: to be the Best Mutual. Our team of passionate professionals doesn’t just follow the norm — we challenge it. We think differently, aim high, and deliver on our promise with a personal touch.
Here, you’ll be part of a culture that values authenticity, embraces change, and empowers you to make a meaningful impact every day. Together, we bring our purpose to life by living our values and putting people first.
Senior Personal Lines Underwriter - Waterloo, Ontario This role takes ownership of the investigative, analytical, and mathematical evaluation of insurance risks. By assessing customer information and applying sound analytical judgment, the Underwriter determines whether a risk profile is acceptable for the organization. This role is critical in ensuring that coverage decisions align with Heartland’s risk appetite and strategic goals, supporting sustainable growth and customer satisfaction.
What You'll Do...
- Underwrite and negotiate high risk/complexity renewals, policy endorsements and new business.
- Identify positive and negative trends in submissions being received and communicate findings to management.
- Negotiate the terms and conditions of risk acceptance with brokers in writing, by telephone, electronic mail or in person.
- Order inspections, or other underwriting information for use in the analysis of critical risk hazards and decision making.
- Uses underwriting knowledge to make recommendations for rate structure/pricing changes and underwriting or claims improvement.
- Develop and maintain strong stakeholder relationships through personal accountability and high-quality decision making.
- Build your professional networks – both at Heartland and industry events.
- Ensure corporate governance and regulatory compliance policies and procedures.
- Participate in, or provide training and development initiatives.
- Uses full knowledge of policy wordings to assist other staff and distributors with risk analysis, recommendation of missing coverage, and generation of additional product line sales.
- Provides guidance and training to other staff where underwriting authorities require referral to higher levels to ensure compliance and minimize company exposure.
What You'll Bring...
- Have more than 6 years of experience in the insurance industry.
- Post-secondary education, CIP designation.
- You have exemplary analytical skills and can make informed decisions.
- You are a skilled communicator who can adapt your approach to your audience.
- You can influence decisions and negotiate strategically.
- You are an enthusiastic learner who thrives within a team or independently.
- Effective communication and interpersonal skills, both written and verbal.
- You have proven decision-making and analytical skills, including the ability to determine how to grow business profitability through assessment and analysis of individual risks.
If you have the qualifications we are seeking and would thrive in a work environment where you are valued and respected, please apply on the company website. Accommodation is available on request for candidates taking part in all aspects of the selection process.
What’s In It For You
- Join a Supportive Team: Be part of a collaborative and high-performing team that values knowledge sharing and celebrating wins together.
- Comprehensive Total Rewards: Enjoy a competitive compensation package, including health and wellness benefits, pension plan, paid time off, and more.
- Career Growth & Development: Take advantage of continuous learning opportunities and stretch assignments.
- Make an Impact: Play a key role in helping customers navigate challenging situations with empathy and expertise.
- Inclusive Culture: Work in an environment that embraces diversity, equity, inclusion and belonging.
At Heartland Mutual Insurance, you’re empowered to thrive. Whether it’s your career, your well-being, or your future , we've got you covered.
About Heartland Mutual Insurance
Heartland Farm Mutual Inc. became a legal entity, formed from the merger of North Waterloo Farmers Mutual and Oxford Mutual. These two parent companies brought together long-standing experience in serving Ontario’s insurance needs. In August 2021, Heartland Farm Mutual amalgamated with The Kings Mutual Insurance Company of Berwick, Nova Scotia. The Kings Mutual Insurance Company has been fulfilling the needs of residential, commercial, and agricultural policyholders in Nova Scotia since 1904.
Heartland Farm Mutual is in your community. Whether you're in agriculture, a business owner or a homeowner, more than ever, people like you appreciate the value of the mutual insurance alternative.
Our Vision
To be the leading Mutual dedicated to fulfilling our promise with a personal approach.
Our Mission
Providing tailored insurance solutions through exemplary customer experience-building on our legacy of protecting agribusiness and communities.
Our Values
• Integrity – Our strong moral principles are demonstrated by our commitment to honesty and fairness in all our interactions. • Diversity and Inclusion – We recognize and appreciate diversity and value the contributions of all by fostering an inclusive environment. • Accountability – We deliver on our promises and assume ownership of our actions. • Community & Environment – We contribute positively to improve the quality of life and the sustainability of our communities. • Progressive – We seize value opportunities and embrace change. • Customer Focus – We focus on providing the best customer experience and create outcomes that deliver long term value.