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HTM Insurance Company

Personal Lines Underwriter

Underwriting – Cobourg, Ontario
Department Underwriting
Employment Type Full Time
Minimum Experience Mid-level

Position: Personal Lines/Auto Underwriter
Full-time, permanent

Location: Cobourg, Ontario

The Opportunity:

HTM Insurance currently has an exciting opportunity for a personal lines/auto underwriter to join our team. The successful candidate will be responsible for working with our underwriters, inspectors and our sales force to grow a profitable personal lines/auto portfolio.

About HTM Insurance

HTM Insurance Company was formed in 1898 in the spirit of neighbours helping neighbours, as many farmers were unable to find companies to insure their properties and livestock. Today, our insurance coverage has grown to include a wide range of policies including farm, auto, residential and commercial.

HTM Insurance Company is a Mutual Insurance Company, meaning that we are community based and owned and operated by our Policyholders. Our Mission Statement speaks quite clearly to our values: “A strong mutual insurance company, devoted to providing our community with security through superior products and caring professional service.” At HTM Insurance Company, you’re with family.

Key Responsibilities 

The core responsibilities of the underwriter are; determining the acceptability of risks, providing quotes, suggesting new coverages, and keeping a positive relationship with HTM' sales force. This role deals with personal lines of business both auto and property.

Position Responsibilities

  • Provide quotes on new and existing files, complete prospect notes and binds coverage
  • Verify information on applications, assess risk and communicate rates and conditions to Brokers
  • Review completed inspection documents, including examining photos, cost estimators and questionnaires to determine that the physical condition of the buildings qualify for the package requested
  • Check coverage for current wordings, liaise with Broker to gather current information related to file renewals
  • Some data entry of policy information and endorsements, determine riders, class codes and complete renewal process
  • Determine need for physical risk inspections and order an inspection if required
  • Determine underwriting acceptability, coverage and rates, including calculation of premium and process changes for endorsements


  • Post-secondary education
  • A minimum of 5 years of insurance experience
  • Willing to take continuing education
  • CIP or equivalent designation an asset and will be a requirement to work towards
  • CRM designations considered an asset
  • Ease in using software such as Word or Excel and learning a custom insurance software program
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  • Location
    Cobourg, Ontario
  • Department
  • Employment Type
    Full Time
  • Minimum Experience
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