Personal Lines Underwriter

About This Role

Evaluate, analyze, and make decisions on personal lines renewal business, including homeowners and personal umbrella products. This role assesses evolving risk characteristics, determines appropriate pricing, and manages cross-sell opportunities to enhance customer protection.

Responsibilities

• Underwrite and assess personal lines renewal accounts, reviewing risk factors such as property inspections, claims history, and exposure changes.
• Determine appropriate pricing, coverage, deductibles, and conditions based on risk quality and underwriting authority.
• Utilize underwriting platforms, rating tools, and internal guidelines for accurate and timely decision-making.
• Manage a renewal book of business to achieve retention, rate adequacy, and profitability targets.
• Collaborate with agents to clarify risk information and negotiate renewal terms.
• Provide underwriting insight and support to help agents understand risk decisions and product options.
• Identify opportunities to cross-sell additional personal lines products like umbrella or inland marine.
• Ensure underwriting practices comply with regulatory requirements and internal policies.
• Maintain detailed, accurate documentation of underwriting decisions and communication notes.
• Participate in ongoing training to enhance expertise in personal insurance products, trends, and risk factors.

Requirements

• 2-5+ years of personal lines underwriting or related experience
• Strong analytical skills with the ability to assess and interpret personal risk characteristics
• Excellent interpersonal and communication abilities
• Sound judgment and decision-making skills within underwriting authority
• Proficiency with underwriting and rating systems
• Strong Microsoft Office skills
• Strong organization, troubleshooting, and time-management skills

Qualifications

• Bachelor’s degree in Business, Finance, Insurance, or related discipline; or equivalent experience.
• 2-5+ years of personal lines underwriting or related experience.

Nice to Have

• Progress toward or completion of professional designations (AINS, API, CPCU)

Skills

* Required skills

Certifications