Job Description

Job Title: Underwriter
Department: Underwriting
Reports To: Vice President of Operations
Pay Type: Salary

An underwriter evaluates individual applications for insurance coverage to assess the level of risk involved if the applicant is approved to receive proper coverage.

Essential Functions

  • Inspect applications to determine acceptability of new risks
  • Gather all relevant information needed to secure the decision on the applicant
  • Calculate cost for insured depending on each specific situation
  • Assist agents via email and telephone
  • Answer specific policy coverage questions for agents and insureds
  • Facilitate an understanding of the Company underwriting guidelines for agents
  • Develop relationships with agents to promote the writing of acceptable risks
  • Evaluate risks that fall outside of the Company guidelines
  • Terminate risks that do not fit within the Company guidelines
  • Run loss reports on property risks
  • Review claims referrals and work with claim adjusters

Specifications / Requirements

  • Must be reliable, responsible, and dependable
  • Ability to use logic and to think analytically
  • Sharp organizational skills are necessary
  • Maintain strong knowledge of basic computer functions including Microsoft products
  • Capable of fostering partnership in a fast paced environment
  • Strong written and oral communication skills

Education / Experience

  • Bachelor’s degree required
  • 2-5 years’ experience in personal or commercial lines

Working Conditions

The physical work environment for this position involves sitting in an office setting communicating with others face-to-face, electronically and by telephone. Overtime may be required for this position if requested by a supervisor in order to complete a certain given task in a timely manner. The work environment characteristics described here are representative of the duties an employee may encounter while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with incapacities to perform the essential functions.