Located in Ontario and Nova Scotia, Heartland Mutual Insurance strives to be the Best Mutual. Our team of talented and dedicated professionals challenge the norm and strives to be extraordinary. It’s all about fulfilling our promise with a personal approach. With our team, you’ll bring this purpose to life every day by living our values, being open to change, and pursuing your career aspirations.

Heartland Mutual Insurance has an excellent opportunity in our Underwriting Department for a Farm Underwriting Specialist.

Farm Underwriting Specialist – Waterloo, Ontario

What will you do…

  • Act as the lead person on all special projects and initiatives as may be required.
  • Assist in the development and delivery of technical and non-technical Underwriting training to internal staff and external brokers and business partners.
  • Lead training initiatives both in group and in one-on-one settings as well as developing training materials.
  • Has specialized knowledge of own products and pricing to interpret and provide guidance to others (co-workers and distributors).
  • Uses full knowledge of policy wordings to train junior staff with risk analysis, recommendation of missing coverage, and generation of additional product line sales.
  • Provides training to new hires and junior staff to ensure compliance and minimize company exposure.
  • Fully understands the common terms, conditions and exclusions of policy coverage’s and can recognize gaps in coverage, or exposure to loss.
  • Understands the political, legal and social influences on underwriting own product line, and ensures compliance with established principles.
  • Aware of acceptance rules for other related lines of business.
  • Refers to other product line underwriters accordingly.
  • Can explain factors affecting loss ratios, severity and frequency.
  • Analyzing all relevant data using appropriate software to determine whether the level of risk is acceptable.

What you will bring….

What we offer…

In return, we’ll give you countless opportunities to learn and grow. You’ll be empowered to be your best self, do your best work, and make a meaningful impact. Here, you can help shape the future of insurance, win as a team, and grow with us.

At Heartland our benefits are great and include not only health and dental coverage, but also a generous pension plan. All staff members share in our company’s success through our incentive plan. And with our hybrid work model, you get the best of both worlds – the ability to collaborate and connect with great colleagues and enjoy the benefits of working from home.

Intrigued? We can’t wait to hear from you!


If you have the qualifications we are seeking and would thrive in a work environment where you are valued and respected, please apply on the company website. Accommodations are available on request for candidates taking part in all aspects of the selection process.

A Place Where YOU Can Make a Difference! Proudly Canadian. Mutually Owned.

Located in Ontario and Nova Scotia, Heartland Mutual Insurance strives to be the Best Mutual. Our team of
talented and dedicated professionals challenge the norm and strive to be extraordinary. It’s all about fulfilling our promise with a personal approach. With our team, you’ll bring this purpose to life every day by living our values, being open to change, and pursuing your career aspirations.


Heartland Mutual Insurance has an excellent opportunity in our Underwriting Department for a Personal
Lines Underwriting Specialist.

Personal Lines Underwriting Specialist – Waterloo, Ontario

What you will do…

  • Act as the lead person on all special projects and initiatives as may be required.
  • Assist in the development and delivery of technical and non-technical Underwriting training to
    internal staff and external brokers and business partners.
  • Lead training initiatives both in group and in one-on-one settings as well as developing training
    materials.
  • Has specialized knowledge of own products and pricing to interpret and provide guidance to others
    (co-workers and distributors).
  • Uses full knowledge of policy wordings to train junior staff with risk analysis, recommendation of
    missing coverage, and generation of additional product line sales.
  • Provides training to new hires and junior staff to ensure compliance and minimize company
    exposure.
  • Fully understands the common terms, conditions and exclusions of policy coverage’s and can
    recognize gaps in coverage, or exposure to loss.
  • Understands the political, legal and social influences on underwriting own product line, and ensures
    compliance with established principles.
  • Aware of acceptance rules for other related lines of business.
  • Refers to other product line underwriters accordingly.
  • Can explain factors affecting loss ratios, severity and frequency.
  • Analyzing all relevant data using appropriate software to determine whether the level of risk is
    acceptable.

What you will bring…

What we offer…

In return, we’ll give you countless opportunities to learn and grow. You’ll be empowered to be your best self, do your best work, and make a meaningful impact. Here, you can help shape the future of insurance, win as a team, and grow with us.

At Heartland our benefits are great and include not only health and dental coverage, but also a generous pension plan. All staff members share in our company’s success through our incentive plan. And with our hybrid work model, you get the best of both worlds – the ability to collaborate and connect with great colleagues and enjoy the benefits of working from home.

Intrigued? We can’t wait to hear from you!


If you have the qualifications we are seeking and would thrive in a work environment where you are valued and respected, please apply on the company website. Accommodations are available on request for candidates taking part in all aspects of the selection process.

A Place Where YOU Can Make a Difference! Proudly Canadian. Mutually Owned.

Senior Commercial Underwriter – Waterloo, Ontario

Located in Ontario and Nova Scotia, Heartland Mutual Insurance strives to be the Best Mutual. Our team of talented and dedicated professionals challenge the norm and strives to be extraordinary. It’s all about fulfilling our promise with a personal approach. With our team, you’ll bring this purpose to life every day by living our values, being open to change, and pursuing your career aspirations.

Heartland Mutual Insurance has an excellent opportunity in our Underwriting Department for a Senior Commercial Underwriter.

What you will do…

  • Underwrite and negotiate medium complexity new business, renewals, and policy endorsements.
  • Prepare terms and conditions of insurance quotations and policies.
  • Work within defined limits of authority to provide high quality underwriting decisions.
  • Identify trends in submissions and communicating findings to leadership.
  • Negotiate terms and conditions of risk acceptance with brokers.
  • Order inspections or other underwriting information for analysing critical risk hazards.
  • Implement market strategies and assist in development of products, pricing, and services.
  • Provide expertise and guidance to coworkers and distributors, aid in account underwriting, and assist junior staff.
  • Prepare analysis and recommendations, recognising exposure or gaps in coverage.
  • Ensure compliance of product line with established principles.
  • Work with other product line underwriters on an overall account approach.

What you will bring…

  • Minimum 5 years’ property casualty underwriting experience.
  • General knowledge of other product lines, particularly commercial automobile.
  • Comprehensive knowledge of government regulations.
  • Post secondary degree or diploma.
  • CIP and/or FCIP designation, or willingness to pursue, is an asset.
  • Familiarity with Guidewire is preferable but not required.
  • Experience to grow business profitability through analysis of individual risks.
  • Ability to work with customers and colleagues from a range of backgrounds.
  • Enthusiasm to learn and ability to thrive within a team or independently.
  • Effective negotiation, communication, and interpersonal skills.
  • Analytical, critical thinking and problem-solving skills.
  • Goal-oriented, with a growth mindset.
  • Attention to detail.

What we offer…

In return, we’ll give you countless opportunities to learn and grow. You’ll be empowered to be your best self, do your best work, and make a meaningful impact. Here, you can help shape the future of insurance, win as a team, and grow with us.

At Heartland our benefits are great and include not only health and dental coverage, but also a generous pension plan. All staff members share in our company’s success through our incentive plan. And with our hybrid work model, you get the best of both worlds – the ability to collaborate and connect with great colleagues and enjoy the benefits of working from home.

Intrigued? We can’t wait to hear from you!


If you have the qualifications we are seeking and would thrive in a work environment where you are valued and respected, please apply on the company website. Accommodations are available on request for candidates taking part in all aspects of the selection process.

A Place Where YOU Can Make a Difference! Proudly Canadian. Mutually Owned.

Senior Farm Underwriter – Waterloo, Ontario

Located in Ontario and Nova Scotia, Heartland Mutual Insurance strives to be the Best Mutual. Our team of talented and dedicated professionals challenge the norm and strive to be extraordinary. It’s all about fulfilling our promise with a personal approach. With our team, you’ll bring this purpose to life every day by living our values, being open to change, and pursuing your career aspirations.

Heartland Mutual Insurance has an excellent opportunity in our Underwriting Department for a Senior Farm Underwriter.

What you will do…

  • Farm Underwriting portfolio management – assessing and evaluating risks, and providing high quality Underwriting decisions.
  • Underwrite and negotiate high risk and high complexity renewals, policy endorsements and new business.
  • Working within Heartland’s Underwriting standards, negotiating terms and conditions of risk acceptance with brokers.
  • Use front-line knowledge of the Farm marketplace to help develop, or make changes to, products, pricing, and services in support of Heartland’s strategy.
  • Provide Underwriting support and exemplary customer service through developing and maintaining relationships with key stakeholders.
  • Ensure corporate governance and regulatory compliance with policies and procedures.
  • Ensure day-to-day Underwriting practices conform to legal, regulatory, compliancy, and privacy obligations.
  • Provide guidance and training to junior Underwriting staff to ensure cohesion and compliance throughout the Farm Underwriting team.

What you will bring…

  • 6+ years experience in the insurance industry, with a focus on Farm and Agribusiness.
  • Post-secondary education in a related field.
  • Ability to assess and analyse individual risks to influence business growth.
  • Exemplary analytical skills, the ability to make informed decisions.
  • Ability to influence decisions and negotiate strategically.
  • Effective communication and interpersonal skills, both written and verbal.
  • CIP designation, or actively pursuing, is an asset.

What we offer…

In return, we’ll give you countless opportunities to learn and grow. You’ll be empowered to be your best self, do your best work, and make a meaningful impact. Here, you can help shape the future of insurance, win as a team, and grow with us.

At Heartland our benefits are great and include not only health and dental coverage, but also a generous pension plan. All staff members share in our company’s success through our incentive plan. And with our hybrid work model, you get the best of both worlds – the ability to collaborate and connect with great colleagues and to enjoy the benefits of working from home.

Intrigued? We can’t wait to hear from you!


If you have the qualifications we are seeking and would thrive in a work environment where you are valued and respected, please apply on the company website. Accommodations are available on request for candidates taking part in all aspects of the selection process.

A Place Where YOU Can Make a Difference! Proudly Canadian. Mutually Owned.

Located in Ontario and Nova Scotia, Heartland Mutual Insurance strives to be the Best Mutual. Our team of talented and dedicated professionals challenge the norm and strive to be extraordinary. It’s all about fulfilling our promise with a personal approach. With our team, you’ll bring this purpose to life every day by living our values, being open to change, and pursuing your career aspirations.

Heartland Mutual Insurance has an excellent opportunity in our Underwriting Department for a Personal Lines Underwriter II.

Personal Lines Underwriter II – Waterloo, Ontario

What you will do…

  • Underwrite and negotiate medium complexity renewals, policy endorsements, and new business.
  • Gather background information on potential customers and analyse all relevant data to determine risk levels.
  • Prepare terms and conditions of insurance policies.
  • Underwriting portfolio management, working within the company operational plan to understand and apply underwriting philosophy to write a profitable book of business.
  • Provide exemplary customer experience and manage the development of internal and external stakeholders.
  • Negotiate terms and conditions of risk acceptance with brokers.
  • Ensure day-to-day underwriting practices confirm to all necessary regulatory obligations.
  • Product and pricing management, understanding and implementing company marketing strategies; assist management in development of products, pricing, and services.
  • Identify and communicate trends to management.
  • Participate in, or provide, training and development initiatives.

What you will bring…

What we offer…

In return, we’ll give you countless opportunities to learn and grow. You’ll be empowered to be your best self, do your best work, and make a meaningful impact. Here, you can help shape the future of insurance, win as a team, and grow with us.

At Heartland our benefits are great and include not only health and dental coverage, but also a generous pension plan. All staff members share in our company’s success through our incentive plan. And with our hybrid work model, you get the best of both worlds – the ability to collaborate and connect with great colleagues and enjoy the benefits of working from home.

Intrigued? We can’t wait to hear from you!


If you have the qualifications we are seeking and would thrive in a work environment where you are valued and respected, please apply on the company website. Accommodations are available on request for candidates taking part in all aspects of the selection process.

A Place Where YOU Can Make a Difference! Proudly Canadian. Mutually Owned.