Senior Commercial Underwriter

Kitchener, ON
On-site
Posted Oct 17, 2026
1 position

$80,000–$105,000 / year

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Employment type: Full-time
Experience level: Senior · 5+ years
Minimum education: Professional degree
Posting language: English
Working hours: 38 hours per week
Seniority: Mid-Senior level

Job summary

Assess and underwrite commercial insurance risks, negotiate pricing and coverage, and build a balanced, profitable portfolio across group programs and small to mid-market business. Develop broker and branch relationships, pursue growth and retention targets, monitor portfolio performance and market conditions, and provide underwriting guidance and required reporting.

Job details

Truthfulness | Fairness | Value | Loyalty At Western Financial Group, we take pride in being one of Canada's largest insurance brokers. Our strength lies in our incredible team of over 2,200 dedicated professionals, spread across 180+ locations nationwide. Together, we create a supportive and collaborative environment that has earned us the recognition of one of Forbes Canada’s Best Employers. Discover a workplace where your well-being is a priority, and your contributions make a real difference. With competitive benefits, a strong community focus, and a commitment to work-life balance, Western is not just a place to work, it's a place to thrive! Join our team and experience the Western difference – where caring for our customers, communities and team members is our passion! Senior Commercial Lines Underwriter Here Is What a Typical Day Looks Like Gather and assess risk information to determine eligibility, pricing and appropriate terms for commercial insurance risks. Build a new underwriting portfolio from the ground up, developing a balanced and profitable book across exclusive group programs and small to mid-market commercial business. Work toward established new business, retention and profitability targets, balancing growth opportunities with disciplined underwriting. Build strong relationships with internal brokers and branches to identify opportunities, generate new business and increase utilization of our underwriting programs. Evaluate and negotiate new business and renewal opportunities, making sound underwriting decisions around pricing, coverage, terms and risk selection. Proactively manage the portfolio by monitoring results and identifying opportunities for profitable growth, retention and corrective action where needed. Provide underwriting expertise and creative solutions to help brokers place business while staying within underwriting appetite and authority. Monitor market conditions and competitor activity to help ensure our products, pricing and coverage remain competitive and relevant. Support internal departments and branches with policy interpretation, technical advice and underwriting solutions. Maintain accurate underwriting documentation and complete required insurer reporting. The value you bring Willingness and ability to obtain a Level 2 insurance licence CIP, CRM or CAIB designation preferred Proven commercial underwriting experience Ability to confidently manage and grow a diverse portfolio across exclusive group programs and small to mid-market commercial business Strong commercial mindset with an ability to balance growth opportunities, risk selection and profitability Results-driven approach with the ability to work toward new business, retention and underwriting performance targets Strong relationship-building skills with the ability to develop trusted partnerships with brokers, branches and insurer partners Sound underwriting judgment and confidence making independent decisions within established authority Strong written and verbal communication skills Ability to identify opportunities, negotiate effectively and find creative solutions to help place profitable business Active involvement in industry associations and the broader community Hours: 37.5 hours per week (full time) Monday - Friday Location: In Office – Kitchener, Ontario Salary Range: $80,000-$105,000 Requisition: 83337 At Western, we prioritize the well-being of our employees and are committed to fostering an inclusive environment that values diversity within our communities. We strive to create a workplace that is accessible, equitable, and supportive, ensuring that all team members feel valued and can thrive in their roles. As an equal opportunity employer, we welcome applicants from all backgrounds, and we encourage individuals to apply even if their experience does not fully meet all the criteria listed. If you need assistance or have questions about requesting reasonable accommodation, please feel free to reach out to us at any time during the hiring process by contacting our Talent Acquisition team at talent.acquisition@westernfg.ca or reviewing Careers Page on our website. We value our employees and offer programs that enhance their lives. Eligible employees receive 3 weeks' vacation, 14 wellness days, company matching investment and savings programs, and 100% employer-paid group benefits. For over 20 years, community support has been integral to our culture through the Western Financial Group Communities Foundation.

What you’ll do

Requirements

Candidates should have proven commercial underwriting experience and the ability to manage a diverse portfolio while balancing growth, risk selection, and profitability. A Level 2 insurance licence must be obtained, while a CIP, CRM, or CAIB designation is preferred; strong judgment, communication, negotiation, and relationship-building skills are also expected.