Underwriter - Personal Lines

Qualifications

• College education desired.
• Minimum of four years’ experience in Property and Casualty insurance preferred.
• Ability to understand and explain Goodville’s personal lines of coverage.
• Highly effective interpersonal and communication skills.
• Ability to work independently and to exercise sound judgment based on company policies and procedures.
• Thorough knowledge of each covered state’s insurance regulations and laws.
• Ability to organize and schedule work processing and manage priorities.
• Ability to work effectively with company computer systems and processing methods.
• Ability and willingness to occasionally travel in and out of state.
• Commitment to company values and customer service.
• Ability to perform the essential functions of the job with or without reasonable accommodations.

Duties and Responsibilities

• Develop and maintain consistent underwriting profits for personal lines of insurance.
• Review assigned new policy applications, renewals and change requests to existing policies to confirm that insured risks continue to meet acceptable company standards and guidelines.
• Review claim and underwriting files to determine adverse risks. Send warning letters or cancellation notices, or modify policy coverage as necessary.
• Analyze experience reports, isolate areas producing underwriting losses and develop methods to improve the experience.
• Review personal lines underwriting guidelines and make recommendations for changes as needed.
• Work with staff responsible for product development and changes.
• Communicate with agents, policyholders and coworkers regarding underwriting matters.
• Assist with agency seminars, training and visits as needed.
• Request inspection reports, MVRs, CLUE and other insurance reports.
• Inform Underwriting Manager of agency and policyholder concerns.
• Maintain knowledge of current industry practices and developments through continuing education.
• Oversee personal lines underwriting processing to facilitate accurate policy transactions.
• Train underwriting processors as needed.
• Assist agents in understanding and using automated processing systems.
• Perform other duties as assigned by Underwriting Manager.