Bilingual Underwriter - Personal Lines

Team Focus Insurance Group; Florida; Remote; USD 28,000 - 40,000; Full time

Benefits offered by this job

Medical, Dental, Vision, Life

Paid time off

Remote work flexibility

Tuition Reimbursement

Volunteer time off

Job summary

Team Focus Insurance Group is seeking an experienced Underwriter for Personal Lines to review and process applications, analyze risk, and determine coverage and pricing. The role emphasizes accuracy, regulatory awareness, and strong collaboration with agents.

You will work remotely with a focus on homeowners and related lines, bringing 3–5 years of underwriting expertise, excellent MS Office skills, and a customer-service mindset to a flexible, inclusive environment.

Qualifications

• Three to five years of underwriting experience in Personal Lines including homeowners and other lines.
• Strong knowledge of Property/Casualty insurance underwriting principles and personal lines policy elements.
• Ability to analyze complex applications and make informed risk decisions.
• Customer service and conflict-resolution skills, including handling agent or client inquiries professionally.
• Self-motivated, disciplined, and able to maintain productivity without direct supervision.
• Basic proficiency in Microsoft Office Suite (Word, Excel, Outlook, Teams) for documentation, reporting, and team collaboration.

Responsibilities

• Review and process applications for all personal lines coverage to determine eligibility for company programs.
• Analyze applications, inspections, and endorsements to make risk selection decisions within established underwriting rules and guidelines.
• Accept or reject applications and determine coverage, pricing, and endorsements with accuracy and efficiency.
• Demonstrate proficiency in 5 or more underwriting functions, including risk evaluation, premium calculation, and policy adjustments.
• Serve as a subject matter expert for agents by providing guidance on policy forms, coverage options, and application submission.
• Stay current on underwriting rules, policy forms, industry trends, and regulatory requirements.
• Participate in training sessions and cross-functional initiatives as needed.
• Recommend process improvements to enhance underwriting quality and efficiency.

Skills

Underwriting experience

Analytical skills

Customer service

Self-motivation

MS Office

Education

Bachelor’s degree

Tools

Microsoft Office Suite

Job description

Company Overview FOCUS provides cloud-based, core administration solutions (FOCUS Tech) and services (FOCUS Insurance Services) for P&C insurance companies and MGAs. Using decades of industry experience, FOCUS is taking the risk out of insurtech for small, mid-size, and growth-focused insurance organizations.

When you join FOCUS, you immediately become one of our most valued components – and we’re committed to investing in you. That means you can look beyond the paycheck and excellent benefits to an environment that will help you grow and achieve your professional goals through development and advancement opportunities and the support of our outstanding leaders and teammates.

Policy Underwriting & Risk Assessment

• Review and process applications for all personal lines coverage to determine eligibility for company programs.
• Analyze applications, inspections, and endorsements to make risk selection decisions within established underwriting rules and guidelines.
• Accept or reject applications and determine coverage, pricing, and endorsements with accuracy and efficiency.
• Demonstrate proficiency in 5 or more underwriting functions, including risk evaluation, premium calculation, and policy adjustments.
• Serve as a subject matter expert for agents by providing guidance on policy forms, coverage options, and application submission.
• Stay current on underwriting rules, policy forms, industry trends, and regulatory requirements.
• Participate in training sessions and cross-functional initiatives as needed.
• Recommend process improvements to enhance underwriting quality and efficiency.

Bachelor’s degree from a four year college or university preferred.

Work Experience

• Three (3) to five (5) years of underwriting experience in Personal Lines including homeowners and other lines; You must have general knowledge of insurance statutes, regulations and policies.
• Strong knowledge of Property/Casualty insurance underwriting principles and personal lines policy elements.
• Ability to analyze complex applications and make informed risk decisions.
• Customer service and conflict-resolution skills, including handling agent or client inquiries professionally.
• Self-motivated, disciplined, and able to maintain productivity without direct supervision
• Basic proficiency in Microsoft Office Suite (Word, Excel, Outlook, Teams) for documentation, reporting, and team collaboration

Compensation: $25.00 per hour

Fully Remote

• Medical, Dental, Vision, Life, Pet; Flexible Spending Account
• Personal Days, PTO Days, 12 Paid Holidays, Two Paid Days for Volunteer Service, Paid Parental Leave
• Short and Long-Term Disability
• Tuition Reimbursement
• Remote and Hybrid Opportunities Available

Team Focus Insurance Group is an equal opportunity employer that does not discriminate on the basis of race, color, religion, sex (including pregnancy, sexual orientation, and gender identity), national origin, age, disability, veteran status, marital status, or any other protected characteristic.

Disability

Team Focus Insurance Group is committed to creating an inclusive and accessible workplace for all candidates, including those with disabilities. We are dedicated to ensuring equal employment opportunities and providing reasonable accommodations to qualified individuals with disabilities.