Job Description

Why CIG?

At Capital Insurance Group we offer our employees more than just a job. We foster career growth, provide opportunities to give back to our communities, and help you take the next step in your career!

CIG was founded in 1898 by a group of earnest farmers in need of protection and today, we are the leading West Coast Property & Casualty insurer. CIG is certified as a Great Place to Work and provides a collaborative, inclusive, and fun work culture for all employees.

Why Choose CIG’s Underwriting Team?

This is your perfect opportunity to join a company that is building momentum with our independent agents and protecting the dreams and assets of our policyholders. Join the CIG Underwriting team in helping build a safer world where dreams soar!

Benefits

• Accrue eighteen days of Paid Time Off during your first year
• Up to eighty-seven percent of benefits covered by CIG for you and your family members
  • Medical, dental, vision plans
• One hundred percent covered plans
  • Basic Life & AD&D
  • Employee Assistance
  • Leave Management
  • Long Term Disability
  • Short Term Disability (Outside of CA)
• Voluntary benefit offerings
  • Short-term (CA only)
  • Voluntary Life AD&D self, spouse and child plans
  • Flexible Spending
  • Health Savings (HSA)
  • Hospital Indemnity
  • Accidental Injury
• Nine paid holidays, plus two floating holidays
• Above and Beyond Reward Recognition Program
  • Kudos & Shout Out Points Program
  • Quarterly Above and Beyond Bonus Program
  • Annual Above and Beyond Bonus Program
• Competitive compensation
  • Base compensation
  • Salary Management Spot Bonuses
  • Annual Incentive/Profit sharing program, potential payout annually based on company results.
• Discount partnerships
  • Gym memberships, travel, shopping, restaurants, theme parks, and more
• Insurance Educational reimbursement and bonus programs
• Employee Referral Bonus Program
• You have a voice! You are encouraged to share your voice through multiple channels, get involved with our Employee Experience and DEI committees to drive and continue the health and wellbeing of our organization for everyone.
• Home and Auto Insurance Discount Program.
• Paid Volunteer Time – Through company planned community events and choose your own adventure PVT in giving back in ways that are meaningful to you!
• Retirement savings benefit (401k and Roth + match)
• Wellness and mental health incentive programs
  • Wellness platform, tools and events
  • Health Savings Account – match

Work Environment & Format

The Associate Commercial Underwriter role is a hybrid position, working from our Spokane, WA office.

Job Overview

Under direct supervision, this position will perform entry-level underwriting duties in support of a regional underwriting team. The Associate Underwriter will perform the preliminary review of new risks as well as assist in the renewal process for existing accounts. General duties will include the evaluation of applications, endorsements, and related underwriting documents. The Associate will review individual Commercial or Farm Lines submissions to evaluate the degree of exposure and approve, request additional information, or reject based on Company risk selection guidelines. This position functions in a production support role, but may be called upon to conduct agency visits, develop new business, and support marketing in a territory of assigned agents. The Associate Underwriter operates within a clearly defined level of delegated underwriting authority and refers risks of higher exposure or complexity to a senior underwriter. The position may also perform ancillary administrative duties for commercial or farm line accounts to support agency service objectives.

Requirements

• Underwriting practice, procedures, rules and regulations
• Rating plans (ISO or similar) and commercial lines coverages
• Knowledge of social, economic and competitive aspects of territory assigned
• National and local business conditions and trends
• Underwriting and marketing philosophy and procedure
• Insurance industry terminology and laws, especially those pertaining to assigned area
• General policies and procedures for underwriting insurance risks
• Correlate risk factors to underwriting standards to determine acceptance of risk
• Must possess a valid driver’s license with the ability to accommodate occasional overnight travel
• A college degree in a business, insurance, or a financial discipline is preferred (or equivalent work experience) along with one to three years of commercial lines rating, processing, or underwriting experience, that includes loss analysis and risk selection.
• Dedication to continuing education, insurance certification and technical coursework is required.

Salary Range: $46,918 - $77,561

The salary range listed here has been provided to comply with local regulations and represents a potential base salary range for this role. Please note that actual salaries may vary within the range above or below, depending on experience and location. We look at compensation for each individual and base our offer on your unique qualifications, experience, and expected contributions. This position may also be eligible for other types of compensation in addition to base salary, such as benefits and bonus programs.

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