Sr Sales Underwriting Specialist, Human Services

For more than 170 years, The Hanover has been committed to delivering on our promises and being there when it matters the most. We live our values every day, demonstrating we CARE through our values, Sustainability initiatives and inclusive corporate culture.

Our Business Insurance Team is seeking a Senior Underwriting Specialist for Human Services to add to their growing team in Northeast. This is a full time, exempt role either a hybrid or remote setting.

Position Overview

Responsible for identifying, soliciting, underwriting and selling new and renewal Middle Market accounts that drive profitable growth and align with the Human Services Industry segment, appetite and mix goals. Apply advanced technical, sales and analytical skills to provide insurance solutions that help Hanover's customers manage risk. Demonstrates a thorough understanding of Hanover's strategies and Human Services appetites and will use internal and external data to make appropriate individual and portfolio Human Services risk decisions. Operates within a broad Letter of Authority for all underwriting decisions and with limited direction while managing an assigned book of business, generally with high technical complexity and coordination. Willingness to build and foster key agency relationships, identify emerging issues, obtain competitive intelligence and engage in industry-specific continuing education.

Key responsibilities

Technical Underwriting

• Knows and applies advanced underwriting concepts including risk selection, exposure and hazard identification and control, coverage implications, and loss analysis.
• Uses all appropriate underwriting tools (e.g. RQI, WC RST, UWWS, and CLAY.), disciplines and knowledge of strategies to ensure underwriting guidelines are followed.
• Advanced knowledge of pricing components and rating methodology and correlates pricing to exposure, financial and competitive analysis.
• Completes file documentation according to best practices guidelines and state regulations and can clearly explain account decisions.
• Adheres to CAT guidelines and underwriting discipline to minimize exposure and appropriately price individual risks. Applies increased knowledge of CAT aggregation to decision making.

Portfolio Management & Financial Acumen :

Sales Acumen & Customer Advocacy :

Utilize Industry Solutions partners to augment sales process through enhanced knowledge transfer, strategic producer visits / sales calls, and effective training sessions for both agents and customers.

Core Competencies, Skills and Experience

CAREER DEVELOPMENT :

It's not just a job, it's a career, and we are here to support you every step of the way. We want you to be successful and fulfilled. Through on-the-job experiences, personalized coaching and our robust learning and development programs, we encourage you - at every level - to grow and develop.

BENEFITS :

We offer comprehensive benefits to help you be healthy, build financial security, and balance work and home life. At The Hanover, you'll enjoy what you do and have the support you need to succeed.

Benefits include :

EEO statement :

The Hanover values diversity in the workplace and among our customers. The company provides equal opportunity for employment and promotion to all qualified employees and applicants on the basis of experience, training, education, and ability to do the available work without regard to race, religion, color, age, sex / gender, sexual orientation, national origin, gender identity, disability, marital status, veteran status, genetic information, ancestry or any other status protected by law.

Furthermore, The Hanover Insurance Group is committed to providing an equal opportunity workplace that is free of discrimination and harassment based on national origin, race, color, religion, gender, ancestry, age, sexual orientation, gender identity, disability, marital status, veteran status, genetic information or any other status protected by law."

As an equal opportunity employer, Hanover does not discriminate against qualified individuals with disabilities. Individuals with disabilities who wish to request a reasonable accommodation to participate in the job application or interview process, or to perform essential job functions, should contact us at : HRServices@hanover.com and include the link of the job posting in which you are interested.

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Compensation :

The target hiring range for this role may vary based on geographic location and other factors, including merit or performance, demonstrated proficiency, skills for the role, education, travel requirements, and experience. Additional compensation may include an annual bonus (which could take the form of a general bonus, sales incentive, or short-term incentive), long-term incentive or spot recognition awards. The posted range reflects our ability to hire at different position titles and levels depending on background and experience.