Underwriter (Personal Auto & Prop)

Do you value integrity and innovation? How about passion and caring? Great! Us too, and that's why you'll fit right in. Our intentional culture promotes trust and participation, encouraging you to bring your heart and mind to work every day.

Out-of-Scope

Permanent, Full-time

Location: Toronto, Ontario. This role offers a hybrid work arrangement, allowing you to work from home and in the office on a scheduled rotation.

As an Underwriter, you are responsible for establishing and maintaining relationships with assigned brokers and managing and growing a profitable book of personal auto and property business with emphasis on excellent service standards. You will examine the nature and degree of risk involved, and reviews conditions, rates and premiums with brokers. Deliver one view of personal lines auto and property underwriting that combines product, technology and services for our broker partners while attracting quality business to SGI CANADA.

Key Accountabilities

Note: This section is not intended to be an exhaustive list of duties and responsibilities – other duties and responsibilities may be assigned.

Policy Processing

• Processes new/renewal applications, revisions, cancellations and quotes.

• Calculates premiums, ensuring that appropriate rates are used and that applicable discounts and surcharges are applied.

Underwriting Activity

• Reviews and evaluates new, renewal and mid-term changes for automobile and property clients to determine the nature and degree of risk involved.

• Acquires further information on applications (and the risks involved) when necessary.

• Determines whether to accept or reject the risk, accept the risk subject to certain conditions and ensure that risks are properly rated and classified according to corporate guidelines (under the guidance of more senior staff).

• Makes timely decisions while considering territory, underwriting guidelines and approaches. 

Broker Relationship Management

• Acts as the brokers first point of contact and sees requests through to completion; becomes a trusted advisor for brokers.

• Understands how assigned brokers operate and the technology they use and offers tailored approaches to deliver on the ease of doing business mandate.

• Understands the underwriting operating system, workflows and process, broker portal and billing.

• Explains underwriting criteria and decisions to brokers (verbally and/or in writing).

• Develops and maintains working relationships with brokers to generate a flow of profitable business, and provides assistance in resolving any service matters.

Production and Service

• Promotes and sells supporting products to brokers with an emphasis on meeting customer needs.

• Learns and applies understanding of the policy conditions, limitations, rates and premiums with a strong focus on customer needs.

• Meets target service levels for assigned brokers with respect to transactions, returning phone calls and responding to emails.

• Identifies opportunities for improving workflows and processes to improve the customer and broker experience; participates in initiatives to deliver improvements.

Leadership

• Actively contributes to and supports a culture of a high performing workforce.

• Participates in divisional succession plans, ensuring ongoing professional and career development and supports development in others.

• Supports a culture of leadership and accountability to effectively deliver on strategic and corporate strategies.

• Is actively committed to leadership development across the company, supporting team and workforce readiness through mentoring, training and developmental opportunities.

Corporate Management

• Enables the success of programs and policies that are in alignment with corporate, strategic and divisional strategies. 

• Manages risk in area of authority.

• Ensures that the Health, Safety and Emergency Management Policy is applied in area of responsibility.

Experience and Experience

• A two-year diploma from an accredited post-secondary education institution in a relevant field of study such as Business.

• One to three years’ experience in underwriting.

Knowledge, Skills and Abilities

• Knowledge of the principles and practice of insurance, underwriting policies and procedures and applicable insurance products.

• Knowledge of the applicable regulatory environment.

• Knowledge of premiums, coverages, deductibles, billing practices for applicable products.

• Knowledge of systems and technology commonly used to support applicable products.

• Knowledge of operating systems, workflow and processes with the ability to apply this knowledge and handle a portfolio of business and deliver outstanding service for assigned brokers.

• Ability to build and maintain effective working relationships with internal and external partners.

Behavioural Competencies

Leader Level 2 Applies (Self & Others)

• Accountability - Goes Beyond Basic Expectations to Implement Customer/Partner Focused Solutions

• Business Acumen - Applies Business Fundamentals and Thinks in Future-Oriented Terms

• Change Agility - Is Nimble; Shifts Gears Quickly and Comfortably

• Leadership - Leads Self and Others

At SGI, we’re committed to building a workplace where everyone feels seen and heard, and where every individual is respected. Our commitment to reconciliation includes actively hiring Indigenous people and creating opportunities for diverse talent to thrive. We offer more than a job; we embrace diverse backgrounds and experiences, provide a career with purpose, growth, and belonging. Join us and help shape a workplace where every voice matters and contributes to our shared success.

If you require an accommodation during the recruitment process, we invite you to submit your accommodation request to employeeleaves@sgi.sk.ca and we will work through your request with you. All information received will be kept confidential.

Pay Range:$62,015.00 - $77,497.00

Posting Close Date:

March 31, 2026

As you prepare to submit your application, and cover letter if applicable, please highlight the achievements that demonstrate why you're a great candidate for this role.