Penn National Insurance Company
Small Business Commercial Lines Underwriter
Penn National Insurance Company, Greensboro, North Carolina, us, 27497
Small Business Commercial Lines Underwriter
Job Description
Come see why people love working at Penn National Insurance! We have an excellent opportunity for a Small Business Commercial Lines Underwriter to join our Greensboro, NC team! This is a hybrid position reporting to our Greensboro, NC office.
The Small Business Commercial Lines Underwriter analyzes information, developments, and trends on new and renewal accounts with premiums up to $25,000 to determine the risks associated with insuring the accounts. Within this segment of business, automated underwriting edits enable the routine/low risk accounts to be processed without underwriter involvement – leaving only the accounts with conditions requiring extra scrutiny for the Commercial Small Business Unit Underwriter to review and determine risk acceptability while ensuring compliance with established underwriting strategies and regulatory requirements. The Small Business Commercial Lines Underwriter exercises their authority to decide whether to offer, continue, modify, or reject insurance; finalizing the amounts and types of coverage; and determining the appropriate premiums. This position builds relationships with assigned agents to generate quoting activity.
COMPETENCIES AND ESSENTIAL DUTIES OF THE SMALL BUSINESS COMMERCIAL LINES UNDERWRITER
Business Acumen
Reviews new business, renewals, endorsements, and quote requests to determine acceptability using established underwriting authority and company guidelines.
Communicates underwriting decisions, techniques, and interpretation of policy forms and coverages with agents and company personnel regarding risk acceptability, incomplete information, etc.
Provides feedback to the Underwriting Manager and designated Territory Manager on quality of submissions and interactions with agency personnel.
Communicates underwriting and marketing philosophy or practices to agents and assists with education/training issues within agency.
Documents the underwriting files where required, including the actions taken, reasons for decisions, and any follow-up diary needed.
Provides input to the Branch Management team about individual agency underwriting performance (i.e., Agency Review meeting, Quarterly Results Management meeting, etc.).
Applies data to solve common business problems.
Compiles, manipulates, and analyzes data of varying complexity.
Knowledgeable and proficient about what tools are available for data analysis and when they are appropriate to use.
Negotiation
Visits agencies with the designated Territory Manager to discuss underwriting matters, assist in the development of new business, and to strengthen agency relations.
Responds to Insurance Department complaints and attend periodic hearings.
Results Oriented
For more complex risks that fall outside of Straight Through Processing, provides additional scrutiny with regard to exposure and coverage analysis in order to determine acceptability.
Travels independently to visit agencies as necessary
Drives profitable new business growth.
Time & Priority Management
Provides ongoing support to Sr. TM and/or middle market underwriter on non-risk selection and pricing decisions.
Supports special underwriting projects and initiatives. These may include, but not limited to, loss prevention, targeted re-underwriting programs, and book rollovers.
Decision Making
Establishes appropriate account pricing in accordance with established underwriting authority and company guidelines.
Orders and/or analyzes loss control reports, financial reports, MVRs, and other underwriting reports.
Evaluates the need for and secure appropriate facultative reinsurance in accordance with established company guidelines.
Contributes to the development of company underwriting policy, procedures, and guidelines to assure they reflect current market conditions and contribute to the attainment of division goals.
Performs various projects requested or assigned by the Underwriting Manager
SPECIAL RELATIONSHIPS OF THE SMALL BUSINESS COMMERCIAL LINES UNDERWRITER
This position reports to the Underwriting Manager
Direct contact with various levels of underwriting, loss control, premium audit, and claims personnel
Direct contact with agents and insureds
QUALIFICATIONS FOR THE SMALL BUSINESS COMMERCIAL LINES UNDERWRITER
Education/Credentials
4 - year degree or equivalent work experience or continuing education in specialized insurance courses such as IIA & AU preferred
Experience
Successful completion of Commercial Lines Underwriter Trainee curriculum; or 1 to 3 years in a relevant property/casualty underwriting position such as an Commercial Lines Assistant Underwriter, etc., preferred
Technical/Professional Knowledge
Good working knowledge of underwriting and pricing risks
Good working knowledge of company underwriting standards and philosophy
Good working knowledge of all insurance coverages
Good math aptitude
Excellent research, analytical and problem-solving skills
Excellent oral and written communication skills
Good PC skills, with an emphasis on Microsoft Office Suite; along with demonstrated proficiency in all supplied desktop tools including the automated underwriting and email systems
JOB REQUIREMENTS (as required by ADA – Americans with Disabilities Act)
This position is primarily a sedentary position that requires occasional standing and walking throughout the office environment.
Must be able to see and effectively use a computer monitor.
Must be able to operate a computer, keyboard and applicable printers and other general office equipment.
Must be able to access and enter information accurately using automated systems.
Must be able to hear and communicate via the telephone and/or monitoring devices to both internal and external clients.
Must be able to present information to individuals and groups.
Must be able to interpret and apply concepts that may or may not be based upon established guidelines.
Must be able to maintain acceptable attendance and adhere to scheduled work hours.
Must have a valid driver’s license and be able to operate a motor vehicle.
Must be able to travel with overnight stays as required.
About Us Why Choose Penn National Insurance?
At Penn National Insurance, we’re on a mission to help people feel secure and make life better when bad things happen .
For over 106 years , we’ve been a trusted partner to individuals, families and businesses because we are a mutual insurance company where service and support for our policyholders are at the heart of everything we do.
We’re not just a company — we’re a community united by our core mission to “Make Life Better.”
Here, you’ll find a place where your professional growth, success and personal well-being are our top priorities.
Your career should be more than just a job—it should empower you to feel secure, supported and inspired. At Penn National Insurance, we invest in your growth and celebrate your contributions with a comprehensive and competitive total rewards package. We’re committed to supporting your journey and helping you thrive at every stage of your career. Key highlights include:
Benefits and Compensation : Generous 401(k) match, graded profit sharing, incentive compensation, and a wide range of benefits to support your financial health, physical well-being and career development.
Flexibility : We offer remote and hybrid work options, flexible scheduling and a “dress-for-your-day” culture.
Recognition : We celebrate your achievements, big and small, through employee recognition programs designed to honor your contributions.
Your Employer of Choice: A Legacy of Trust and Strength
Joining Penn National Insurance means becoming part of a company with over a century of experience , built on trust, innovation and strong relationships. From our beginnings as a mutual insurance company founded by farmers to our 100th anniversary in 2019, we've stayed true to our relationship-driven model, focusing on direct service and meaningful support.
Your Community: Making an Impact Together
Making life better
isn’t just our mission—it’s a value that guides everything we do. Our employees are at the heart of this mission, giving back through community engagement and charitable efforts. We proudly support our community through financial support and employee volunteering opportunities including our annual United Way campaign, where employee contributions and company matches make a significant impact each year.
Your Future: Building a Rewarding Career Path
We’re not just offering a job; we’re providing a fulfilling and rewarding career. We support your growth with a range of resources designed to help you build your skills and achieve your goals, including:
Continuing Education Support : Access to programs that help you enhance your knowledge, skills and educational goals along with 100% tuition reimbursement for academic studies.
Professional Development Opportunities : Tailored designation programs to help you advance in your career such as CPCU, AINS, CPA, CISSP, and more.
Long-Term Career Focus : With an average employee tenure of 14 years and many team members serving for over 40 years, we take pride in fostering a work environment that values long-term growth and development.
When you join us, you’re not just starting a job—you’re becoming part of a team that values your growth and invests in your future. Our commitment to long-term retention and employee development ensures that you will be part of a tradition and legacy of excellence that spans decades.
Only candidates from the following states will be considered for opportunities with Penn National Insurance: Alabama, Delaware, Iowa, Maryland, Minnesota, North Carolina, New Jersey, Ohio, Pennsylvania, South Carolina, Tennessee, Virginia, Wisconsin.
We are an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, creed, affectional and sexual orientation, gender identity or expression, pregnancy, age, national origin, disability status, genetic information, protected veteran status, or any other characteristic protected by law. Consistent with the Americans with Disabilities Act (ADA) and EEOC guidance, it is the policy of Pennsylvania National Insurance to provide reasonable accommodations to qualified individuals with disabilities in all aspects of the employment process. If you require a reasonable accommodation in completing this application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please direct your inquiries to a HR Business Partner via telephone at 800-368-4764, or through email,HRBusinessPartner@pnat.com.
Job Info
Job Identification 70529
Posting Date 01/04/2026, 09:20 PM
Job Schedule Full time
Locations 3200 Northline Ave, Greensboro, NC, 27408, US (Hybrid)
#J-18808-Ljbffr
The Small Business Commercial Lines Underwriter analyzes information, developments, and trends on new and renewal accounts with premiums up to $25,000 to determine the risks associated with insuring the accounts. Within this segment of business, automated underwriting edits enable the routine/low risk accounts to be processed without underwriter involvement – leaving only the accounts with conditions requiring extra scrutiny for the Commercial Small Business Unit Underwriter to review and determine risk acceptability while ensuring compliance with established underwriting strategies and regulatory requirements. The Small Business Commercial Lines Underwriter exercises their authority to decide whether to offer, continue, modify, or reject insurance; finalizing the amounts and types of coverage; and determining the appropriate premiums. This position builds relationships with assigned agents to generate quoting activity.
COMPETENCIES AND ESSENTIAL DUTIES OF THE SMALL BUSINESS COMMERCIAL LINES UNDERWRITER
Business Acumen
Reviews new business, renewals, endorsements, and quote requests to determine acceptability using established underwriting authority and company guidelines.
Communicates underwriting decisions, techniques, and interpretation of policy forms and coverages with agents and company personnel regarding risk acceptability, incomplete information, etc.
Provides feedback to the Underwriting Manager and designated Territory Manager on quality of submissions and interactions with agency personnel.
Communicates underwriting and marketing philosophy or practices to agents and assists with education/training issues within agency.
Documents the underwriting files where required, including the actions taken, reasons for decisions, and any follow-up diary needed.
Provides input to the Branch Management team about individual agency underwriting performance (i.e., Agency Review meeting, Quarterly Results Management meeting, etc.).
Applies data to solve common business problems.
Compiles, manipulates, and analyzes data of varying complexity.
Knowledgeable and proficient about what tools are available for data analysis and when they are appropriate to use.
Negotiation
Visits agencies with the designated Territory Manager to discuss underwriting matters, assist in the development of new business, and to strengthen agency relations.
Responds to Insurance Department complaints and attend periodic hearings.
Results Oriented
For more complex risks that fall outside of Straight Through Processing, provides additional scrutiny with regard to exposure and coverage analysis in order to determine acceptability.
Travels independently to visit agencies as necessary
Drives profitable new business growth.
Time & Priority Management
Provides ongoing support to Sr. TM and/or middle market underwriter on non-risk selection and pricing decisions.
Supports special underwriting projects and initiatives. These may include, but not limited to, loss prevention, targeted re-underwriting programs, and book rollovers.
Decision Making
Establishes appropriate account pricing in accordance with established underwriting authority and company guidelines.
Orders and/or analyzes loss control reports, financial reports, MVRs, and other underwriting reports.
Evaluates the need for and secure appropriate facultative reinsurance in accordance with established company guidelines.
Contributes to the development of company underwriting policy, procedures, and guidelines to assure they reflect current market conditions and contribute to the attainment of division goals.
Performs various projects requested or assigned by the Underwriting Manager
SPECIAL RELATIONSHIPS OF THE SMALL BUSINESS COMMERCIAL LINES UNDERWRITER
This position reports to the Underwriting Manager
Direct contact with various levels of underwriting, loss control, premium audit, and claims personnel
Direct contact with agents and insureds
QUALIFICATIONS FOR THE SMALL BUSINESS COMMERCIAL LINES UNDERWRITER
Education/Credentials
4 - year degree or equivalent work experience or continuing education in specialized insurance courses such as IIA & AU preferred
Experience
Successful completion of Commercial Lines Underwriter Trainee curriculum; or 1 to 3 years in a relevant property/casualty underwriting position such as an Commercial Lines Assistant Underwriter, etc., preferred
Technical/Professional Knowledge
Good working knowledge of underwriting and pricing risks
Good working knowledge of company underwriting standards and philosophy
Good working knowledge of all insurance coverages
Good math aptitude
Excellent research, analytical and problem-solving skills
Excellent oral and written communication skills
Good PC skills, with an emphasis on Microsoft Office Suite; along with demonstrated proficiency in all supplied desktop tools including the automated underwriting and email systems
JOB REQUIREMENTS (as required by ADA – Americans with Disabilities Act)
This position is primarily a sedentary position that requires occasional standing and walking throughout the office environment.
Must be able to see and effectively use a computer monitor.
Must be able to operate a computer, keyboard and applicable printers and other general office equipment.
Must be able to access and enter information accurately using automated systems.
Must be able to hear and communicate via the telephone and/or monitoring devices to both internal and external clients.
Must be able to present information to individuals and groups.
Must be able to interpret and apply concepts that may or may not be based upon established guidelines.
Must be able to maintain acceptable attendance and adhere to scheduled work hours.
Must have a valid driver’s license and be able to operate a motor vehicle.
Must be able to travel with overnight stays as required.
About Us Why Choose Penn National Insurance?
At Penn National Insurance, we’re on a mission to help people feel secure and make life better when bad things happen .
For over 106 years , we’ve been a trusted partner to individuals, families and businesses because we are a mutual insurance company where service and support for our policyholders are at the heart of everything we do.
We’re not just a company — we’re a community united by our core mission to “Make Life Better.”
Here, you’ll find a place where your professional growth, success and personal well-being are our top priorities.
Your career should be more than just a job—it should empower you to feel secure, supported and inspired. At Penn National Insurance, we invest in your growth and celebrate your contributions with a comprehensive and competitive total rewards package. We’re committed to supporting your journey and helping you thrive at every stage of your career. Key highlights include:
Benefits and Compensation : Generous 401(k) match, graded profit sharing, incentive compensation, and a wide range of benefits to support your financial health, physical well-being and career development.
Flexibility : We offer remote and hybrid work options, flexible scheduling and a “dress-for-your-day” culture.
Recognition : We celebrate your achievements, big and small, through employee recognition programs designed to honor your contributions.
Your Employer of Choice: A Legacy of Trust and Strength
Joining Penn National Insurance means becoming part of a company with over a century of experience , built on trust, innovation and strong relationships. From our beginnings as a mutual insurance company founded by farmers to our 100th anniversary in 2019, we've stayed true to our relationship-driven model, focusing on direct service and meaningful support.
Your Community: Making an Impact Together
Making life better
isn’t just our mission—it’s a value that guides everything we do. Our employees are at the heart of this mission, giving back through community engagement and charitable efforts. We proudly support our community through financial support and employee volunteering opportunities including our annual United Way campaign, where employee contributions and company matches make a significant impact each year.
Your Future: Building a Rewarding Career Path
We’re not just offering a job; we’re providing a fulfilling and rewarding career. We support your growth with a range of resources designed to help you build your skills and achieve your goals, including:
Continuing Education Support : Access to programs that help you enhance your knowledge, skills and educational goals along with 100% tuition reimbursement for academic studies.
Professional Development Opportunities : Tailored designation programs to help you advance in your career such as CPCU, AINS, CPA, CISSP, and more.
Long-Term Career Focus : With an average employee tenure of 14 years and many team members serving for over 40 years, we take pride in fostering a work environment that values long-term growth and development.
When you join us, you’re not just starting a job—you’re becoming part of a team that values your growth and invests in your future. Our commitment to long-term retention and employee development ensures that you will be part of a tradition and legacy of excellence that spans decades.
Only candidates from the following states will be considered for opportunities with Penn National Insurance: Alabama, Delaware, Iowa, Maryland, Minnesota, North Carolina, New Jersey, Ohio, Pennsylvania, South Carolina, Tennessee, Virginia, Wisconsin.
We are an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, creed, affectional and sexual orientation, gender identity or expression, pregnancy, age, national origin, disability status, genetic information, protected veteran status, or any other characteristic protected by law. Consistent with the Americans with Disabilities Act (ADA) and EEOC guidance, it is the policy of Pennsylvania National Insurance to provide reasonable accommodations to qualified individuals with disabilities in all aspects of the employment process. If you require a reasonable accommodation in completing this application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please direct your inquiries to a HR Business Partner via telephone at 800-368-4764, or through email,HRBusinessPartner@pnat.com.
Job Info
Job Identification 70529
Posting Date 01/04/2026, 09:20 PM
Job Schedule Full time
Locations 3200 Northline Ave, Greensboro, NC, 27408, US (Hybrid)
#J-18808-Ljbffr