If you’re passionate about helping people protect what matters most to them, as well as innovating and simplifying processes and operations to provide the best customer value, then Nationwide’s Property and Casualty team could be the place for you!

Job Description Summary

Success on our team requires a blend of customer service skill and analytical prowess. There’s no shying away from challenges here. Each account we work on is complex and interesting. Satisfaction comes from finding solutions that provide the best coverage and give our partner agents a way to differentiate themselves from the competition. If you are adaptable, responsive, love customers and really want to make a difference, we want to hear from you!

As an Associate Underwriter, you’ll accept, retain, and price low exposure new, renewal, and amendments for commercial business policies which may include middle market accounts with specified authority. We’ll count on you to apply fundamental underwriting concepts including risk selection and analysis, exposure and hazard identification and control, coverage implications, pricing documentation, and loss analysis trend identification as appropriate. You will also work to strengthen agency relationships by providing prompt and expert service to partner agents. We’ll count on you to own problems or issues as they arise and route calls and higher-level issues to appropriate individuals.

Job Description

Key Responsibilities:

• Services moderate to complex multi-state multi-line accounts through the lifecycle to promote profit, new business growth and renewal retention.

• Responds to requests, consults, and collaborates with external and internal partners to resolve business issues and projects of moderate complexity requiring more discernment or robust solutions within established time and service standards to facilitate and expedite service needs.

• Rates, quotes, and issues polices as well as handles related account activity.

• Assesses price renewals, new business, and amendments according to guidelines outlined within authority levels; appropriately refer accounts exceeding authority level.

• Updates account information and exposure changes in a timely manner to enable the underwriter adequate time to prepare and promptly deliver conditional and non-renewal notices to the appropriate parties.

• Gathers, organizes, and enters information into policy systems including exposure changes or coordinates with processing. Provides rating instructions to processing and manages quoting and issuance cycle.

• Captures information from multiple sources according to company guidelines to perform underwriting analysis. May require gathering verbal information or data through reports or other electronic means.

• Independently reviews individual risks for acceptability and exercises judgement and discretion within appetite and based on granted authority level, company underwriting guidelines and industry standards.

• Ensures file handling quality and workflow efficiency for a best-in-class customer experience.

• Internal point of contact for the underwriting and processing team. Follow up with agents for all required information, and request any additional information such as forms, supplemental applications, loss runs, exposures, etc.

May perform other responsibilities as assigned.

Reporting Relationships: Reports to Commercial Underwriting Supervisor.  No direct reports.

Typical Skills and Experiences:

Education: Bachelor's degree or equivalent work experience preferred.

Knowledge, Abilities and Skills: General Understanding of rating systems, Underwriting Strategy, and reporting analysis. Understands business strategy, state and territory issues, regulations, and trends. Ability to leverage standardized workflows and state compliance guidelines. Able to analyze, synthesize and identify current or future problems and compare information to understand issues. Ability to identify cause and effect relationships and explore alternative solutions to support sound decision making.  Verbal and written communication skills necessary to provide excellent service to internal and external partners.  Effective organization and time management skills. 

Other criteria, including leadership skills, competencies and experiences may take precedence.

Benefits

We have an array of benefits to fit your needs, including: medical/dental, paid time off plus nine paid holidays, 401(k) with company match, company-paid pension plan, business casual attire, and more. To learn more about the benefits we offer, click here.

Nationwide is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive culture where everyone feels challenged, appreciated, respected and engaged. Nationwide prohibits discrimination and harassment and affords equal employment opportunities to employees and applicants without regard to any characteristic (or classification) protected by applicable law.

At Nationwide, our purpose is clear: we protect people, businesses, and futures with extraordinary care. Since 1926, we’ve been steadfast in our commitment to safeguarding what matters most. But it’s more than just a job for us—it’s a calling. Our financial strength and caring culture extend beyond our associates; they resonate within the very communities we serve. You can feel the difference at Nationwide. It’s in the way we listen, the way we innovate, and the way we support one another. That’s why we’re consistently recognized as one of the Fortune 100 Best Companies To Work For. But don’t just take our word for it—see what others say about us. Explore why Nationwide is more than a workplace; it’s a place where purpose meets passion.

And here’s the best part: you belong here. We’re an equal opportunity employer, celebrating diversity and fostering an inclusive culture where everyone feels challenged, appreciated, respected, and engaged. At Nationwide, we don’t just prohibit discrimination and harassment—we actively create a space where every characteristic is valued and every voice is heard.