At Gore Mutual, we’ve always set ourselves apart as a modern mutual that does good. Now, we’re proudly building on that legacy to transform our company—and our industry—for the better.
Effective January 1, 2026, Gore has joined Beneva—the country’s largest mutual insurance company—as part of its Property & Casualty operations in Ontario and Western Canada. During 2026, Gore will combine its operations with Unica Insurance, Beneva’s Ontario-based subsidiary specializing in niche commercial and personal insurance, creating a stronger, more diversified mutual insurer with greater scale and long-term stability.
Every decision and investment remains anchored in long-term benefits to customers, members, and communities. Come join us.
The Programs & Portfolios Analyst is responsible for sourcing, evaluating, and supporting the negotiation of non‑standard distribution opportunities for Gore, as identified by Business Development and Commercial Lines leadership.
This role conducts holistic assessments of opportunities, considering factors such as scale (GWP/PIF), expected profitability (loss ratio/combined operating ratio), target risk composition, strategic broker alignment, and impacts to Gore’s overall risk profile, including aggregation and reinsurance costs. The objective is to determine strategic fit and support informed decisions on whether to accept or decline opportunities.
For approved opportunities, the Analyst leads the intake and triage process, coordinating cross‑functional efforts across underwriting, Business Development, Underwriting Operations, Finance, Claims and IT. The role also provides ongoing support to broker partners, including issue resolution, escalations, and service delivery oversight, while actively monitoring performance to ensure business volume, mix, and profitability align with expectations.
The Analyst partners with Actuarial and Corporate Underwriting to develop recommendations on pricing, underwriting guidelines, and product changes, contributing to annual review strategies. The role also supports audit and governance activities for programs operating under delegated underwriting authority.
What you will do
- Source, evaluate, and support negotiation of non-standard distribution opportunities
- Lead intake and triage processes for broker agreements, coordinating cross-functional stakeholders
- Assess opportunities across key dimensions:
- Size and scale (GWP/PIF)
- Prospective profitability (LR/COR)
- Risk composition and alignment to target segments
- Strategic broker alignment
- Impact to corporate risk aggregation and reinsurance costs
- Provide recommendations on opportunity acceptance based on overall strategic and financial fit
- Serve as a key point of contact for broker inquiries, escalations, and SLA-related support
- Build and maintain strong relationships with broker partners and Business Development teams
- Monitor and manage program performance, ensuring alignment to expected volume, mix, and profitability
- Balance broker needs with disciplined underwriting practices
- Support implementation and ongoing management of program and portfolio agreements, including:
- Growth, retention, and profitability tracking
- Sub‑P&L monitoring and reporting
- Facilitate annual program reviews with Business Development, Actuarial, and Claims
- Recommend pricing, underwriting, and product changes in collaboration with Actuarial and Corporate Underwriting
- Support audit and quality review processes, including broker delegated authority and program performance reviews
- Act as an escalation point for accommodation requests, mentor underwriters and support broker engagement
What you will need to succeed:
- Post-secondary education required; undergraduate degree preferred
- CIP designation required
- Minimum 5 years of Commercial Property & Casualty experience
- 2+ years of Program Underwriting experience preferred
- 3+ years of Programs/Portfolio analysis experience preferred
The expected base salary range for this position is $67,000.00 - $117,000.00. Depending on your relevant experience, skills, qualifications, market conditions and business needs, base compensation may vary. You have the potential to earn more through Gore Mutual’s discretionary bonus program which gives you an opportunity to increase your total compensation, provided the business meets its performance targets and you meet your individual goals.
Please note: This range reflects the expected base salary for this role but may not represent the full compensation range for all experience and skill levels. During the recruitment process, we will discuss and consider how your unique qualifications align with the broader range for this position.
Gore Mutual is proud to offer a comprehensive total rewards package which includes extended health and dental benefits, disability insurance, retirement plan matching, paid time off, recognition and perk programs.
#INDHP
#LI-HYB
This posting pertains to an existing vacancy that is actively being filled.
Accessibility for applicants
Gore Mutual Insurance Company is committed to providing accommodations for people with disabilities during all phases of the recruiting process, including the application process.
If you require accommodation because of a disability, we will work with you to meet your needs. Contact us and a human resources representative will consult with you to determine an appropriate accommodation.
Should you request an accommodation during the interview process, please notify your Talent Acquisition Consultant.
Skills Required
- Post-secondary education
- Undergraduate degree
- CIP designation
- Minimum 5 years Commercial Property & Casualty experience
- 2+ years Program Underwriting experience
- 3+ years Programs/Portfolio analysis experience
What We Do
Built on a foundation of financial strength for more than 180 years, Gore Mutual Insurance Company is one of Canada’s first property and casualty insurers. With offices in Cambridge, Toronto and Vancouver, Gore Mutual is a Canadian mutual company offering competitive insurance products through trusted broker partners. Every decision and investment made is anchored in the long-term benefits to customers, members and communities. Insurance that does good – this is our Purpose. Grounded in our purpose and guided by our core values, at Gore Mutual, we believe that being good and doing good by our employees, customers and broker partners will benefit not only them but also us—which in turn allows us to spread good in our communities and reward the good we see in others. This is what is driving our work to become a purpose-driven, digitally-led national insurer
.png)
