Commercial Property Insurance Assessor Objective

The Commercial Property Insurance Assessor plays a critical role in the underwriting process by evaluating commercial property risks and providing professional assessments that support informed coverage decisions. This position conducts on-site and virtual property evaluations, analyzes complex risk exposures, and delivers comprehensive reports that align with underwriting guidelines, regulatory requirements, and loss prevention objectives. The role requires sound judgment, technical expertise, and effective communication with internal and external stakeholders.

Commercial Property Insurance Assessor Responsibilities

Perform professional risk assessments of commercial, industrial, and specialty properties to evaluate insurability and overall exposure.

Analyze building construction, occupancy, fire protection systems, operational practices, and maintenance standards to determine risk quality.

Identify and evaluate potential loss exposures, including fire, liability, theft, environmental, and structural risks.

Document findings through detailed narratives, photography, and data analysis to support underwriting and pricing decisions.

Commercial Property Insurance Assessor Qualifications

Required

Bachelor’s degree (or equivalent experience) in risk management, construction management, engineering, or a related field required or equivalent experience may be considered.

2–3 years of experience in commercial property inspection, risk assessment, construction, engineering, or commercial insurance.

Working knowledge of building systems, fire protection equipment, and applicable safety and regulatory standards (e.g., NFPA, OSHA).

Strong analytical, observational, and professional report-writing skills.

Proficiency with inspection software, mobile data collection tools, and Microsoft Office applications.

Demonstrated ability to manage multiple assignments, prioritize workload, and meet reporting deadlines.

Valid driver’s license with reliable transportation.

Note: This is a Hybrid position working four days in the field, and one day in the Farm Bureau Home Office (located in Lansing, Michigan) to document inspections.

Farm Bureau offers a full benefit package including medical, dental, vision, and 401K.

PM19