Senior Commercial P&C Underwriter

About the role

The owns the evaluation of commercial insurance submissions and the design of policy terms that serve Canadian brokers. This position provides critical insights that directly shape product competitiveness and define the appetite of the portfolio. The role collaborates closely with operational leadership to drive consistent and high-quality underwriting outcomes. You will analyze complex risks and translate findings into clear recommendations that influence pricing strategies. The position holds responsibility for refining underwriting guidelines to ensure alignment with evolving business objectives. You act as a key liaison, ensuring broker referrals are managed with analytical rigor and clear communication. The work you do determines how effectively the underwriters can serve the commercial market segment. Your decisions impact the long-term sustainability and growth of the insurance lines offered through digital platforms.

Key facts

What you'll do

You assess new and existing policy submissions, and you determine appropriate coverage and terms for commercial clients while evaluating risks and setting appetites. Your findings directly influence pricing strategies and product positioning for insurance partners and brokers in a competitive market. You analyze structured data, risk frameworks, and underwriting guidelines to support clear, consistent standards across the portfolio. Recommendations you provide affect competitiveness for target segments and guide broker referrals effectively. You collaborate on portfolio initiatives aimed at refining underwriting guidelines to align with strategic business objectives. You communicate complex risk decisions in writing and in discussions with brokers and partners to ensure mutual understanding. You work remotely across Canada, maintaining reliable availability for scheduled meetings and critical deadlines. Reliable connectivity is essential to support seamless collaboration with underwriting and operational teams. You utilize technology platforms that enable faster decisions and consistent documentation for broker partners. You uphold the integrity of the underwriting process through analytical rigor and attention to detail in every submission.

Requirements

You must analyze submissions and manage broker referrals by applying strong analytical judgment to complex commercial risks. You are required to communicate recommendations clearly in both written formats and in discussions with brokers and partners. You must work remotely across Canada, and you maintain reliable availability for scheduled meetings and firm deadlines. Reliable connectivity supports collaboration with underwriting and operational teams on a consistent basis. You adhere strictly to established underwriting guidelines and policy frameworks in every assessment you perform. You demonstrate honesty and transparency in all interactions regarding risk appetite and coverage decisions. You manage multiple submissions efficiently while maintaining a high standard of accuracy in your evaluations. You are accountable for the outcomes of the underwriting decisions you support and the resulting impact on the portfolio.

Nice to have

Preferred experience in commercial property and casualty lines within a digital insurance context is highly valued. Familiarity with structured data analysis and the use of underwriting platforms is considered an asset. Experience contributing to the refinement of underwriting guidelines and portfolio initiatives is preferred. A background in supporting broker partners through clear communication and reliable follow-through is seen as beneficial.

Practical notes

Typical interview steps

Sales hiring often includes a role play, a discovery call simulation, and a presentation. Candidates may be asked to pitch a product to a panel or handle a tough objection. Behavioral questions focus on past quota attainment and deal history. Energy and preparation matter. Interviewers often simulate the job in the interview itself, so be ready to run a short discovery call or demo. Practicing your own sales pitch out loud helps.

Good to know

The role centers on commercial property and casualty lines in a digital insurance context.

Underwriters rely on structured data, risk frameworks, and guidelines to assess exposure.

Technology platforms enable faster decisions and consistent documentation for broker partners.

Clear communication and analytical rigor define success in broker-facing underwriting.

Team collaboration and cross-functional input drive sustainable portfolio performance.

Questions to ask

Worth asking in any interview: how the team measures success, who the role works with daily, what the onboarding looks like, and what the company is trying to achieve this year. Asking what past hires did well is a strong final question. Keep the list short and pick the questions that matter most to you.

Career growth

Sales careers can move from SDR or associate to account executive, senior AE, manager, and director roles. Some sellers move into partnerships, account management, or revenue operations. Compensation typically mixes a base with commission tied to results. High performers in sales typically move into larger accounts, team leadership, or sales operations. Quota history and references carry the most weight in promotion.

About the company

Zensurance is hiring for Senior Commercial P&C Underwriter. Toronto, ON.

About the location

Canada's largest city has a strong tech and startup scene. Monthly costs around $2,600. King West and Liberty Village have coworking density. Internet is fast. Winters are cold (-10°C). Summers are warm and the city comes alive. Multicultural food scene.