Personal Lines Underwriter

Who We Are

HT&C is a newly amalgamated leader in Ontario’s mutual insurance industry, combining the best of the former Hay, and, Town & Country Mutual Insurance companies.  We provide Members and their families with peace of mind – properly insured.


The Personal Lines Underwriter will be responsible for accepting, rejecting, and amending new business, renewals, and endorsements for Members within allocated scope of authority.  The Personal Lines Underwriter will work collaboratively with Agents, Risk Inspectors, and Broker Partners to minimize losses, manage risk exposures, and generate beneficial solutions for HT&C Members.

What We Offer

  • Competitive Compensation
  • Career Growth
  • Defined Pension Plan
  • Paid Training Opportunities
  • Extended Benefits

What You’ll Be Doing

  • Processing and underwriting files within binding authority limits involving personal automobile and property policies (i.e. new business, endorsements, renewals, and requests for cancellations)
  • Review policy applications including Member profiles, claims history, inspection reports, credit ratings and driving records to determine coverage eligibility
  • Report findings to Agents or Broker Partners prior to accepting, modifying, or rejecting based on findings from risk assessment and policy application review
  • Collaborate to determine appropriate coverages and evaluate policy options, while adhering to Underwriting Guidelines and binding authorities
  • Work with Agents & Brokers to identify available coverages, appropriate premiums, and necessary terms for new business, policy renewals, and endorsements
  • Communicate coverage changes and amendments to OMIA Underwriting Guidelines with Agents and Broker Partners

Skills / Experience / Qualifications

  • Minimum 2 years Personal Lines Underwriting experience
  • University / college degree or diploma - Business or Communications preferred
  • Working knowledge and experience using P&C insurer operating platforms, information technology and other various software programs
  • CIP Designation (or in progress) & Valid Ontario driver’s license

How to Apply

Interested candidates are encouraged to submit their resume detailing qualifications and experience to