Underwriter - Intermediate

Cayuga Mutual Insurance – Intermediate Underwriter

Employer: Cayuga Mutual Insurance

Location: Cayuga, Ontario

Employment Type: Full-time, Permanent

Status: New Position

Expected Compensation: Compensation will be based on experience and education and is expected to fall within the salary range of $49,000 to $80,000.

About Cayuga Mutual Insurance

Cayuga Mutual Insurance is a member‑owned, community‑focused insurer based in Cayuga, Ontario, proudly serving policyholders since 1875. Rooted in Ontario’s mutual tradition, we offer a full range of Home, Auto, Farm, and Commercial coverage, delivered by local agents who put our members first. As a pure mutual, we have no outside shareholders; our policyholders are at the heart of how we operate, and premiums stay in the community through local jobs and support. Celebrating 150+ years of service, we continue to invest in our neighbors and provide dependable protection for what matters most.

About the Role

Intermediate Underwriter is part of the underwriting team and is responsible for evaluating, pricing, and managing moderate to complex personal insurance risks within Ontario. This role applies company underwriting guidelines, regulatory requirements, and underwriting authority to support profitability, growth, and customer retention. The position requires sound underwriting judgment, strong agent relationships, and independent decision-making within delegated limits.

Job Duties

• Utilize Policy Administration System (Cognition+), Policy Document Retention Program (Doc Record), Company SharePoint, CGI web applications, Inspection Administration system (MIRA), and other MS Office programs as required.
• Underwrite new business, policy changes, renewals and rewritten business accurately for personal lines products, including automobile, property, small farm, and personal umbrella insurance.
• Underwrite and evaluate new business, policy changes, renewals and rewritten business accurately for commercial lines products.
• Assess risk acceptability of agent submissions, applications, loss history, inspections, and third-party data.
• Apply underwriting rules, pricing models, and authority limits accurately.
• Identify coverage concerns and recommend underwriting or coverage solutions.
• Document underwriting rationale clearly and accurately in underwriting systems. Maintain continuous underwriting files. Research prior history, previous claims experience and license information.
• Prioritize tasks to meet service-level standards for turnaround time.
• Maintain FSRA (Financial Services Regulatory Authority of Ontario) expectations.
• Provide support to the Underwriting Manager and claims teams as required.

What You Bring

• Post- Secondary education in insurance, business, or in a related field.
• Relevant insurance experience in lieu of a degree.
• CIP designation or actively pursing completion of CIP.
• 3–5 years of personal lines underwriting experience, preferably within the Ontario market.
• Strong knowledge of Personal Lines products (Property, Liability & Auto), Risk concepts, Underwriting fundamentals.
• Proficiency with Rating systems, Underwriting platforms, SharePoint, MS Excel and Word.
• Strong ability to interpret reports (Applications, MVRs, property inspections, claims reports (Auto plus), credit scoring).
• Team-oriented, ability to work in both a group-setting and individually.
• Must possess a strong attention to detail, good organizational skills, ability to multi-task, prioritize and meet deadlines.
• Excellent analytical, decision-making, and communication skills.

Work Model

This position is based at our head office in Cayuga, Ontario and offers a hybrid work arrangement. We support work-life balance while maintaining the collaboration needed for team success. The hybrid arrangement must be approved by the Underwriting Manager and may be changed based on business needs.

How to Apply

Please email your resume and a brief cover letter to View email address on ca.talent.com with the subject line “Intermediate Underwriter Candidate – Your Name.”

Diversity, Inclusion, Accessibility & Pay Equity

Equal Opportunity & Human Rights. Cayuga Mutual is an equal opportunity employer. We are committed to a workplace and recruitment process free from discrimination and consistent with the Ontario Human Rights Code. We welcome applicants from all backgrounds.

Accessibility (AODA) – Recruitment & Selection. We are committed to an inclusive, barrier-free recruitment and selection process in accordance with the Accessibility for Ontarians with Disabilities Act (AODA). Accommodation is available upon request for candidates participating in all aspects of the selection process.

Pay Equity & Equal Pay. Cayuga Mutual complies with Ontario’s Pay Equity Act and the Employment Standards Act requirements for equal pay for equal work. We maintain compensation practices designed to support pay equity for substantially similar work.

Transparency & Candidate Communication (ESA). This posting includes the expected compensation range and vacancy status. Cayuga Mutual may use artificial intelligence to screen, assess, or select candidates. We will notify all interviewed candidates of the hiring decision within 45 days of their final interview.