At

Aviva Canada , we put people first, our employees, our customers, and our communities. We’re proud of a culture built on care, inclusion, and collaboration, where your voice matters and your growth is supported. We’re not just about insurance; we’re about making a real difference by protecting what matters most.

The Opportunity Aviva Canada has an exciting opportunity within our Aviva Business Insurance business unit. We are hiring a Property & Casualty Underwriter to join our National Branch, and are open to candidates at both the Intermediate and Senior levels.

The successful candidate will support profitable growth through high‑quality underwriting with a Middle Market focus. These are medium-sized accounts in select segments, which typically have an annual premium band over $25k in premium, with account size, complexity, and authority aligned to level.

As a Commercial P&C; Underwriter, you are accountable to collaborate with internal partners to review new business submissions, existing business renewals and to provide technical expertise to brokers and customers to price the risk appropriately. In addition, you provide mentorship and guidance to more Junior underwriters.

We are interested in speaking with insightful business-minded underwriters who are passionate about service and driving profitable growth.

All Levels

Qualify and underwrite new business and renewal Commercial Property & Casualty accounts

Assess customer needs and risk characteristics to balance top‑line growth and bottom‑line profitability

Set coverage terms, conditions, and pricing in accordance with underwriting guidelines and delegated authority

Build and maintain strong relationships with brokers, customers, and internal partners

Negotiate terms, pricing, and coverage for new business, renewals, and mid‑term changes

Maintain portfolio quality by monitoring loss trends, market conditions, and risk performance

Stay current on industry trends, legal, and regulatory changes

Effectively utilize Commercial Insurance systems and tools





Intermediate Level

Independently underwrite Core Market commercial accounts within assigned authority

Review new business submissions and renewals, escalating more complex risks as appropriate

Deliver responsive, solutions oriented broker and customer service

Contribute to market research, pricing insights, and product or coverage discussions

Support updates to underwriting guidelines, bulletins, and procedures

Help identify emerging risk trends and participate in remediation strategies

Support learning and development initiatives, including assisting with training and knowledge sharing

Senior Level

Underwriting Middle Market accounts, including medium to complex risks, within higher authority levels

Acting as a technical referral and escalation point for junior and intermediate underwriters

Driving profitable growth through disciplined risk selection and portfolio management

Providing insight on market trends, loss drivers, and underwriting performance

Participating in pricing, coverage, and product enhancements and contributing to underwriting guidelines and manuals

Mentoring and developing underwriting talent; supporting formal and informal training initiatives

Conducting broker and insured meetings to develop new business and retain key, profitable accounts

Serving as a subject matter expert within the branch or region

What You’ll Bring Intermediate Candidates:

3+ years of Commercial P&C; underwriting experience

Post‑secondary education or equivalent experience

CIP designation completed or in progress

Strong communication, negotiation, and relationship‑management skills





Comfortable working independently and collaboratively in a fast‑paced environment

Senior Candidates:

7+ years of Property & Casualty underwriting experience

Post‑secondary education or equivalent practical experience

CIP or FCIP designation preferred

Deep knowledge of underwriting philosophy, policy contracts, pricing, and risk assessment

Expertise in one or more of the following segments: Construction and contractors including Builders Risk, Commercial Realty, Manufacturing, and Wholesale

Strong presentation, facilitation, and stakeholder influencing capabilities

Ability to mentor and coach more junior underwriters in upskilling technical knowledge.

What Makes You Stand Out (Both levels)

Strong service orientation with a solutions focused mindset

Ability to proactively identify and pursue growth opportunities

Professional, confident communicator who builds long term broker partnerships

Ability to think outside the box and has well versed underwriting acumen.

What you’ll get The salary band for this position ranges from $60,000 to $75,000 for a intermediate position and from $70,000 to $85,000 for a Senior. Please note that individual salary is determined by factors such as job‑related knowledge, skills and experience, as well as internal equity.

Hybrid flexible work model.

Competitive vacation package with the option to purchase 5 extra days off per year.

Employee-driven programs focused on gender, LGBTQ+, origins, diversity, and inclusion.

Corporate wellness programs to support our employees’ physical and mental health.

Additional Information Compelling rewards package including base compensation, eligibility for annual bonus, retirement savings, share plan, health advantages, personal wellness, and volunteer opportunities.

Please note that we may use AI tools to help us through the recruitment process. This job advertisement is for an existing vacancy which has been posted both internally & externally.

#J-18808-Ljbffr

📌 Senior Manager, Insurance Finance Transformation (Winnipeg)
🏢 Royal Bank of Canada
📍 Winnipeg