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!

Our underwriting team is key to growing our book of business sustainably while providing support and subject matter expertise to our broking team.

Our underwriting team focuses on automating excessive administrative and data entry tasks to allow our underwriters to focus on building strong relationships with their brokers and insurance partners. Utilizing data and insights, you will be responsible for maintaining and growing our underwriting authority by binding policies through our internal facilities.

Reporting to the Team lead, Underwriting, you will contribute to building and evaluating submissions/applications for new and existing policies for our clients. This role embodies the organization's values of creating positive outcomes with a passion and persistence for the delivery of exceptional customer experience with each interaction that helps Zensurance achieve our goals.

• Own referral underwriting of multiple lines of business, including commercial property, general liability and specialty lines.
• Work closely with the broking team to provide quotes, guidance and place risks within our in-house facilities.
• Partner with the Insurance Analytics team to review Zensurance’s binding authority programs.
• Have access to program data in real-time to understand current performance and make data-driven recommendations in terms of expanding authority.
• Negotiate with partner insurers on terms and conditions that fall outside our authority.
• Proactively identify cause-and-effect relationships and explore alternative solutions to support sound decision-making.
• Maintain data integrity to support the underwriting processes and help the team's objectives.
• Adhere to underwriting standards and good practices to minimize risk.
• Ensure full understanding of in-house program underwriting requirements, including endorsements and limits.
• Assist in auditing in-house policies for adherence to our underwriting guidelines.
• Own referral underwriting of multiple lines of business, including professional lines and medical malpractice.
• Assist with wording comparisons across different insurance companies.
• Partner with Senior Underwriters, Underwriting Specialists and the Director of Underwriting in the process of evaluating new program opportunities, creating the desired underwriting guidelines, and comparing current coverage offerings in the market.
• Keep up to date with industry trends to deliver excellence in underwriting and continuously build expertise.
• Where appropriate, escalate difficult or complex items and customer complaints or inquiries to Senior Underwriters or the Director of Underwriting.
• Perform other duties as assigned.

• University degree or college diploma in a recognized technical, vocational or academic program or equivalent work experience.
• Minimum 3 years of commercial underwriting experience.
• Working towards or completion of CIP/ CAIB/ CRM courses would be considered an asset.
• In-depth knowledge of Commercial wording and pricing.
• Advanced MS Office Suite, including Word, PowerPoint and Excel.
• Proficiency with Google Workspace, Zoom and Slack, or similar office tools.
• Proficiency with Adobe and Salesforce.
• Exceptional problem-solving and analytical skills.
• Able to communicate effectively with stakeholders, both verbally and written.
• Able to collaborate with team members and take the lead in group settings.
• Ability to maintain confidentiality and exercise 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.

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!