The Hartford Direct Sales Underwriter Trainee-Small Commercial in CHARLOTTE, North Carolina

Title: Direct Sales Underwriter Trainee-Small Commercial

Location: United States-Connecticut-Windsor

Other Locations: United States-New York-Clinton, United States-Texas-San Antonio, United States-North Carolina-Charlotte

Job Number: 1700759

Position must sit in one of our underwriting centers:

Windsor, CT

Charlotte, NC

New Hartford, NY

San Antonio, TX


The Commercial Underwriting trainee program is designed to prepare college graduates and business professionals for the commercial insurance market.

Trainees complete a formal 14 week training program. This program is the first phase of several levels of training that will continue throughout your career in underwriting.

  • Achieve standards established for success in the program by completing daily assignments, including reading of text materials, completion of on-line courses, case study work, exams, and general activities.
  • Actively participate in class by asking questions, volunteering answers, and assisting teammates as appropriate.
  • Participate fully with the other trainees on any group/team activities, as assigned by the training manager.
  • Adhere to The Hartford's employment policies and procedures, including attendance and professionalism in the workplace.

Beyond the 14 week training period you will:

  • Work on our small commercial underwriting sales team selling directly to small business owners. The sales underwriter will handle all commercial lines, including Business Owner's Policy (BOP), Commercial Automobile, and Workers' Compensation. This will involve accurately developing and pricing individual risks, analyzing loss and risk information; recognizing "red flags" and file inconsistencies; in order to write profitable commercial business.
  • Possess a strong understanding of the sales process, how to close sales, and maximize cross sell opportunities to other small commercial lines of business.
  • Advocate The Hartford's value proposition including its long standing history and payroll deduct billing model. Counsel small business insurance customers on their needs and sell products and services that offer solutions to those needs.
  • Maintain knowledge of the regional office strategic direction and plan, including goals and objectives to achieve profit and growth.
  • Plan and prioritize work activities to achieve desired results within necessary time frames.
  • Effectively use on-line resources, automation tools, and computer software packages.
  • Continuously develop and strengthen the skills required for success in the sales underwriting position to prepare for additional responsibility.


  • Must be Property & Casualty licensed or able to obtain within 90 days of start date.
  • Two years or more of consultative selling and call center experience preferred.
  • This business unit supports countrywide operations so candidate must have schedule flexibility and be available to work 10AM-7PM EST.
  • A bachelor's degree in Risk Management and Insurance, Business Administration, Finance and Accounting, Economics, Marketing, or Liberal Arts with a cumulative GPA of 3.0 or above or an equivalent combination of education and experience is strongly preferred.
  • Excellent written and verbal communication skills.
  • Exceptional consultative selling, customer and relationship management skills.
  • Outstanding organization, desk management, time management and PC skills.
  • Ability to produce a high volume of quality work in real time inbound call center environment.
  • Comfort and confidence in balancing inbound sales calls from a queue, along with outbound and email communications to close sales.
  • Competitive nature and strong desire to win. High energy self-starter, good decision maker with an entrepreneurial spirit.
  • Failure to complete the Core Underwriting training program successfully, or to obtain the necessary Property & Casualty licensing before the end of Core Underwriting training, will result in job termination.

Behaviors at the Hartford

  • Deliver Outcomes – Demonstrate a bias for speed and execution that serves our shareholders and customers.
  • Operate as a Team Player – Work together to drive solutions for the good of The Hartford.
  • Build Strong Partnerships – Demonstrate integrity and build trust with others.
  • Strive for Excellence – Motivate yourself and others to achieve high standards and continuously improve.

With more than 200 years of expertise, The Hartford (NYSE: HIG) is a leader in property and casualty insurance, group benefits and mutual funds. The company offers a full complement of business insurance coverage’s, auto and home insurance, employee benefits and a family of mutual funds to help its customers prepare for the unexpected, protect what is most important to them, and prevail in the event the unexpected happens. Headquartered in Hartford, Conn., the company has approximately 20,000 employees located throughout the country. The Hartford reported 2012 revenues of $26.4 billion.

Throughout its history, the company has delivered on its promises to agents, brokers and customers, insuring some of the nation’s most historic construction projects, such as the Golden Gate Bridge and the Hoover Dam. The Hartford has also paid claims related to some of America’s largest disasters, including the Great Chicago Fire of 1871, the San Francisco Earthquake of 1906, the September 11 terrorist attacks, and more recently, Hurricane Katrina and Storm Sandy.

The Hartford’s biggest competitive advantage is its employees. We hire a broad range of talented teammates from diverse backgrounds and cultures. We look for teammates who share our vision to be an exceptional company celebrated for financial performance, character, and customer value.

The Hartford is widely recognized for its service excellence, sustainability practices, and trust and integrity. The company has been recognized by:

  • Human Rights Campaign as a 2014 Best Place to work for LGBT Equality (2014)
  • Dow Jones Sustainability Index as a leader in corporate sustainability (2013)
  • Carbon Disclosure Project on the 2013 Climate Performance Leadership Index (2013)
  • GI Jobs as a 2014 Military Friendly Employer (2014)
  • Military Times Edge as a “Best for Vets” Employer (2013)
  • Ethisphere Institute as One of the "World's Most Ethical Companies" (2008-2012, 2014)

Visit our website to learn more about The Hartford’s recognition. More information about the company and its product offerings is available at

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At The Hartford, our compensation philosophy is simple: we pay competitive base salaries and reward performance. In addition, you will be eligible to participate in our comprehensive benefits program including Medical, Dental, Life and Disability Insurance, a 401K Plan, an Employee Stock Purchase Plan and more.


The Hartford's Underwriting Development Program can be the route to a life-long business career in commercial underwriting. Working within an entrepreneurial environment, our development programs will give you technical underwriting skills and knowledge to be an integral part of our world class insurance company.

The Hartford is an equal employment and affirmative action employer. All qualified applicants will receive consideration without regard to race, color, sex, religion, age, national origin, disability, veteran status, sexual orientation, gender identity or expression, marital status, ancestry or citizenship status, genetic information, pregnancy status or any other characteristic protected by law.

The Hartford maintains a drug-free workplace and is committed to building inclusion and leveraging diversity


Equal Opportunity Employer/Females/Minorities/Veterans/Disability/Sexual Orientation/Gender Identity or Expression

Job: Small Commercial