Call Center - Underwriter Personal Lines

PEAK6; United States; Hybrid; USD 70,000 - 90,000; Full time

Benefits offered by this job

Medical coverage

Dental coverage

Vision coverage

401K match

Remote options

Job summary

FOCUS seeks an experienced personal lines underwriter to review applications, inspections, and endorsements, determining eligibility and coverage within underwriting rules. You will support agents and clients, explain policy forms, and uphold service standards.

The ideal candidate has 3–5 years of underwriting experience, a Bachelor’s degree, and a 2-20/4-40 license or CPCU/CIC preferred. Hours are 8–5 or 9–6 ET, with remote and hybrid opportunities available.

Qualifications

• Strong knowledge of Property/Casualty insurance underwriting principles.
• Ability to analyze complex applications and make informed risk decisions.
• Excellent verbal and written communication skills.
• Self-motivated, disciplined, and able to work without direct supervision.

Responsibilities

• Review and process applications for personal lines to determine eligibility.
• Analyze inspections and endorsements to make risk decisions within guidelines.
• Accept or reject applications and determine coverage, pricing, and endorsements with accuracy.
• Maintain agent relationships and provide guidance on forms and coverage.

Skills

Underwriting principles

Risk analysis

Communication skills

Organization

Decision-making

Customer service

Microsoft 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.

Reviews and analyzes applications, inspections, endorsements, cancellations, and reinstatements to determine policy eligibility while adhering to underwriting rules and guidelines. Accepts or rejects applications and makes risk selections on behalf of the carrier client within underwriting rules and guidelines. Handles inbound calls and chats from agents and clients to provide guidance on policy forms, coverage, and underwriting decisions. Processes tasks across new business, inspections, endorsements, cancellations, and reinstatements to ensure timely and accurate workflow completion. Develops and maintains strong agent relationships and acts as a subject matter expert by providing guidance on policy forms, coverage, and departmental processes to both external agents and internal team members.

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

Why join the FOCUS Team?

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

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

EEO

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

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.