Commercial Underwriter (Remote First)

About Us:

Zensurance is redefining commercial insurance for Canadian businesses.

As a leading InsurTech, we make getting the right coverage simple, fast, and accessible through a digital-first experience. Our platform combines advanced technology with deep industry expertise to deliver tailored insurance solutions that help businesses thrive.

Zensurance has been recognized for its rapid growth and industry impact:

✅Deloitte’s Technology Fast 50 (2023, 2024)

✅Deloitte’s Technology Fast 500 (2024)

✅Top Insurance Employers (2022)

At Zensurance, we value ownership, collaboration, and innovation. Our team thrives on solving complex challenges, challenging the status quo, and making a real impact in an industry ready for change.

If you're looking to build something meaningful in a fast-growing, customer-focused company, we’d love to hear from you!

Zensurance is seeking a Commercial Underwriter to join our Underwriting Team, where we leverage technology to empower our underwriters and deliver exceptional value to our brokers and insurance partners.

Reporting to the Team Lead - Underwriting, you'll evaluate submissions and applications for new and existing policies. This role reflects Zensurance's values, needing a passion and persistence for positive outcomes and excellent customer experiences that help us reach our goals.

Our Underwriting Team helps us grow sustainably. We support our Broking Team with expertise. We're committed to automating administrative and data entry tasks so our underwriters can focus on building relationships and making data-driven decisions. You'll use data and insights to maintain and grow our underwriting authority by binding policies through our internal facilities.

• Own referral underwriting across various lines of business, including commercial property, general liability, professional lines, and medical malpractice.
• Work closely with our broking team to provide quotes, guidance, and place risks within our in-house facilities.
• Partner with the Insurance Analytics team to review and optimize Zensurance’s binding authority programs.
• Use real-time program data to understand current performance and make data-driven recommendations for expanding underwriting authority.
• Negotiate with partner insurers on terms and conditions that fall outside our authority.
• Proactively identify cause-and-effect relationships and explore solutions to support good decision-making.
• Maintain data integrity to support all underwriting processes and help team objectives.
• Adhere to underwriting standards and practices to minimize risk and ensure compliance.
• Understand in-house program underwriting requirements, including endorsements and limits.
• Help audit in-house policies for adherence to our underwriting guidelines.
• Contribute to wording comparisons across different insurance companies.
• Partner with Senior Underwriters, Underwriting Specialists, and the Director of Underwriting in evaluating new program opportunities, developing underwriting guidelines, and comparing current market offerings.
• Where appropriate, escalate difficult or complex items, customer complaints, or inquiries to Senior Underwriters or the Director of Underwriting.

• 3 years of commercial underwriting experience, with a background in Property & Casualty (P&C), Errors & Omissions (E&O), or Medical Malpractice (MedMal).
• Working towards or completion of CIP/CAIB/CRM courses is an asset.
• Good knowledge of Commercial wording and pricing.
• Advanced skills with MS Office Suite, including Word, PowerPoint, and Excel.
• Skilled with Google Workspace, Zoom, and Slack, or similar office tools.
• Skilled with Adobe and Salesforce.
• Strong problem-solving and analytical skills.
• Able to communicate effectively with stakeholders, both verbally and written.
• Able to collaborate with team members and lead in group settings.
• Ability to maintain confidentiality and use discretion.

Benefits & Perks at Zensurance:

At Zensurance, we know that when our people thrive, so does our business. That’s why we offer a flexible, people-first work environment designed to support your well-being, growth, and success.

💻 Work Your Way

• Remote-first setup for added flexibility

• Home office allowance to create a comfortable workspace

• Top-tier tech: "Office in a box" with all necessary tech equipment

• Half days before public holidays: Enjoy half days before long weekends

❤️ Your Health, Your Way

• Flexible health and dental plans for families, including mental health support

• Health & personal spending accounts to invest in wellness your way

• Parental leave top-up, because family comes first

🚀 Investing in Your Growth

• Education assistance reimbursement for courses, conferences, books, and memberships

• Opportunities to learn from industry experts and grow your career

🤝 Staying Connected

• Weekly Friday huddles to share updates and connect across teams

• Virtual & in-person team-building events to strengthen our culture

We’re building something special. Come be a part of it!

Who We Are:

Business is hard work, but insurance doesn’t have to be!

We empower business owners with simple, tech-driven insurance solutions through our online platform.

Our success is fueled by our team-oriented culture and four core values:

DELIVER – We set ambitious goals and achieve them.

INCLUDE – We foster an open and safe space for all.

INTEGRITY – We do what’s right.

INVENT – We create straightforward, innovative solutions.

AI Tools and Your Interview:

We know AI is a valuable tool, and you're welcome to use it to prepare for your interview. However, please don't use AI assistants during the live interview itself. We want to have an authentic conversation with you, and using AI during the interview could affect our evaluation of your suitability for the role.

Just so you know, we use an AI scribe to help us take notes and review interviews, ensuring a fair and clear process.

Diversity & Inclusion:

Zensurance celebrates diversity and is committed to creating an inclusive environment. We welcome applications from all backgrounds and provide accommodations throughout the hiring process. If you need support, let us know, we’re here to help.

Thank You!

We review every application with care to find the best fit for our team.

While we may take a little time to get back to you due to the high volume of applications we receive, know that a real human (not a bot!) is reviewing yours. We appreciate your patience and can't wait to learn more about you!