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 Waterloo office Underwriting Department for two (2) Permanent Full Time Farm Underwriters.
Farm Underwriter – Waterloo, Ontario
What will you do…
- Assess and evaluate risks within the farm portfolio to negotiate pricing and underwriting conditions with brokers.
- Accept, reject, approve, renew or cancel policies in accordance with Heartland’s underwriting guidelines and procedures as well as those contained in program agreements, applicable laws and regulations.
- Build trusted business relationships with brokers, tailor your approach, and seize opportunities.
- Participate in broker visits, industry functions and marketing events in support of business objectives.
- Be involved in stimulating, challenging projects and development opportunities to grow your skills and expertise.
What you will bring….
- 2-3 years experience in underwriting or any combination of training and experience within the insurance industry.
- Curious, desire to learn, strong analysis and synthesis skills.
- Ability to make decisions in urgent situations, solve complex problems, recommend courses of action, and take calculated risks.
- Skilled communicator, both written and verbal English, who likes to make decisions and excels at influencing others.
- CIP designation or actively pursuing (Minimum 5 Completed)
- Strong decision-making skills and ability to bring creativity to underwriting risks.
- Experience with Guidewire P&C Insurance Software & Technology a strong asset, not required.
- Ability to apply underwriting philosophy and knowledge to strategic goals.
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 and Kings 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…
- In this position, you will underwrite auto and property new business, endorsements, renewals
- Apply your excellent customer service and communication skills
- Developing and maintaining broker relationships.
What you will bring…
- As our ideal candidate, you have previous experience within the insurance industry as well as a solid understanding of Personal Lines contracts.
- You have proven decision-making and analytical skills, including the ability to determine how to grow business profitability through the assessment and analysis of individual risks.
- Post-secondary education or equivalent experience.
- CIP designation is preferred.
- Previous experience in underwriting and rural business, dealing with or as a broker would be 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 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 and Kings 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 Commercial Auto Underwriter.
Commercial Auto Underwriter II – Waterloo, Ontario
What you will do…
- Underwrite and service IRCA and fleet-rated commercial/farm auto accounts.
- Manage commercial/farm auto risk control procedures and objectives.
- Provide management with product and service initiatives being implemented by our competitors.
- Use front-line knowledge of the marketplace to assist management in the development of products, pricing and services that support our corporate market positioning strategies.
- Influence the implementation of commercial/farm auto, fleet and garage programs.
- Enhance junior underwriter and support staff’s understanding and knowledge of commercial/farm auto risks. Participate in, or provide training and development initiatives to constantly enhance the quality of decision-making.
- Maintain accountability for the selection and rating of fleet and garage auto insurance transactions such as new business, endorsements, cancellations etc.
- Working within the defined limits of authority, consistently provide high-quality underwriting decisions. Identify positive and negative trends in submissions being received and communicate findings to management.
- Participate in the rollout of effective marketing and distribution initiatives.
- Work with management and other departments to effectively implement defined strategies for broker/agent development. Attend broker events and corporate functions as required.
What you will bring…
- Three years of experience in automobile underwriting.
- High attention to detail.
- A team player with great communication skills.
- Experience using Microsoft Office Suite.
- Experience providing exemplary customer service.
- Sales oriented.
- Post-secondary education working towards CIP designation.
- Three years of experience as a commercial automobile underwriter and proficiency in Microsoft Excel is an asset.
- A university degree and CIP designation or working towards it are preferred.
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.