Bilingual Underwriter - Personal Lines

PEAK6; Florida; Hybrid; USD 28,000 - 40,000; Full time

Benefits offered by this job

Medical benefits

Dental & vision coverage

401K match

Remote work options

Job summary

Team Focus Insurance Group is seeking an experienced underwriter for personal lines, including homeowners, in a fully remote role. You will review applications, determine eligibility and coverage, and support agents with forms and endorsements.

The role requires 3–5 years in underwriting, knowledge of P/C principles, and strong communication. Hours are 8–5 or 9–6 ET, with a competitive hourly pay and remote flexibility.

Qualifications

• Strong knowledge of Property/Casualty underwriting principles.
• Ability to analyze complex applications and make informed risk decisions.
• Excellent verbal and written communication skills.
• Proficiency in Microsoft Word, Excel, Outlook, Teams for documentation and collaboration.

Responsibilities

• Underwrite personal lines applications and determine eligibility, coverage, and pricing.
• Serve as a subject matter expert for agents on policy forms and coverage options.
• Maintain organized workflows to support underwriting standards and compliance.
• Stay current on underwriting rules, regulatory requirements, and participate in training.

Skills

Underwriting knowledge

Risk assessment

Communication

MS Office

Education

Bachelor's degree

Tools

Microsoft Office

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.

Summary

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. Process requests for cancellations, reinstatements, and endorsements while adhering to departmental service standards. Demonstrate proficiency in 5 or more underwriting functions, including risk evaluation, premium calculation, and policy adjustments. Research complex underwriting issues and provide solutions for eligibility, coverage, and compliance concerns.

Agent & Client Support

Serve as a subject matter expert for agents by providing guidance on policy forms, coverage options, and application submission. Receive and handle agent calls regarding bind requests, endorsement changes, cancellations, reinstatements, inspections, missing information, and quote acceptability. Maintain strong agent relationships through proactive communication and timely resolution of inquiries.

Follow-Up & Workflow Management

Ensure timely and accurate processing of tasks to support departmental and client needs. Maintain organized workflow to optimize productivity and compliance with underwriting standards.

Continuous Learning & Compliance

Stay current on underwriting rules, policy forms, industry trends, and regulatory requirements. Participate in training sessions and cross-functional initiatives as needed. Ensure compliance with carrier and company guidelines in all underwriting decisions. Recommend process improvements to enhance underwriting quality and efficiency.

Education

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; or equivalent combination of education and experience required. You must have general knowledge of insurance statutes, regulations and policies.

Knowledge, Skill, and Abilities

Strong knowledge of Property/Casualty insurance underwriting principles and personal lines policy elements. Ability to analyze complex applications and make informed risk decisions. Excellent verbal and written communication skills. Strong organizational, time management, and decision-making skills. Ability to handle multiple tasks, prioritize workload, and maintain high accuracy. 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. An active 2-20 or 4-40 license, or industry designation such as CPCU or CIC, is preferred.

Hours

8-5pm or 9-6pm Eastern Time Zone

Compensation

$25.00 per hour

Location

Fully Remote

Why join the FOCUS Team?

We're a leader in the space. We foster ongoing innovation. You get all the benefits of a growing and fast-paced company, while enjoying a very entrepreneurial culture. The team is really motivating. You'll work with people who are as energetic, smart, and determined as you are. You'll be managed by the best, too. Your work will be immediately impactful. You'll be able to see your direct impact on our growth. You won't be just another cog in the wheel. We embrace change. This is not where you'll find 'predictable'. Our team wears many hats and has to go with the flow to deliver on our goals and get the job done. We are a team of collaborators. We work together to ensure the best possible solutions for our internal teams. It is common for us to get outside our swim lanes. Our environment provides continuous learning. Team members often have to branch out of their comfort zone. Taking ownership is an opportunity and we believe failures might lead to a better solution. Consisting of a team of talented, experienced, and trusted professionals that have been serving the property and casualty insurance industry for more than 75 years, Team Focus Insurance Group has a history of financial stability, growth through innovation, and constant progress. When you join Team Focus, you immediately become one of our most valued components. That means you can look past the paycheck and excellent benefits to an environment that will help you grow and accomplish your professional goals and objectives through teamwork. Our "3L" philosophy is designed to help all our team members: Learn something new every day; Laugh every day; and Love what you do and who you do it with. This philosophy makes for stronger individuals and, in turn, a stronger team. It also makes certain that Team Focus can deliver on a collaborative vision of being the best we can be for our customers, our partners, and our people. If you have an interest in joining a true team, one in which individual members thrive and build on the success of the whole, it's time for us to talk.

The FOCUS Difference

• Medical, Dental, Vision, Life, Pet
• Flexible Spending Account
• Competitive Salaries
• 401K Match
• Work-Life Balance: Personal Days, PTO Days, 12 Paid Holidays, Two Paid Days for Volunteer Service, Paid Parental Leave
• Short and Long-Term Disability
• Employee Support Programs, Including Mental Health
• Tuition Reimbursement
• Matching Charitable Gift Program
• Lucrative Referral Program
• Commuter Benefits
• Flexibility: Remote and Hybrid Opportunities Available

Eligibility

This position is not able to be performed in California, Colorado, New York or Washington.

EEO Statement

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. Our hiring practices ensure that all qualified applicants receive fair consideration without regard to these characteristics.

Disability Statement

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. If you require reasonable accommodations to participate in the application or interview process, please contact our HR department at [e-mail]. We will work with you to provide the necessary accommodations to ensure your full participation in our hiring process.

Note to Applicant

It is unlawful in Massachusetts and Maryland to require or administer a lie detector test as a condition of employment or continued employment. Please know that our company does not use lie detector tests in our hiring process.