Commercial Lines Underwriter

aoins; Broomfield (CO); Hybrid; USD 68,000 - 88,000; Full time

Job summary

Auto-Owners Insurance is seeking an underwriting trainee to join our team. After initial in-person training, you may have the flexibility of work-from-home time as defined by leadership, with a focus on learning to apply coverage rules and underwriting guidelines.

The role includes completing the company underwriter training program, analyzing risk information, and communicating decisions to agents. A bachelor’s degree or equivalent experience in property/casualty underwriting is preferred.

Qualifications

• Ability to organize data and multi-task to support underwriting decisions.
• Above-average written and verbal communication skills for clear reporting.
• Ability to write reports and compose correspondence.
• Ability to resolve complex issues through sound judgment.
• Continually develop product knowledge through approved educational programs.

Responsibilities

• Learn various insurance coverages and contracts to make underwriting decisions.
• Read, interpret, and react to policies, manuals, forms, and endorsements.
• Assemble information, develop opinions, and clearly express decisions.
• Analyze loss experience, financial conditions and physical characteristics of risks.
• Acquire working knowledge of supporting sections of underwriting.
• Effectively communicate with independent agents and associates.
• Participate in and complete the underwriter training program.

Skills

Data organization

Multi-tasking

Independent decision making

Verbal & written communication

Report writing

Problem solving

Continuous learning

Education

Property/casualty underwriting

Job description

A career at Auto-Owners is challenging and rewarding. Our group of caring associates create financial security by helping individuals and businesses make a new start when a loss occurs.

Job Description

We offer a merit-based work-from-home program based on job responsibilities. After initial training in-person, you could have the flexibility of work-from-home time as defined by the leadership team.

Auto-Owners Insurance, a top-rated insurance carrier, is seeking a motivated underwriting trainee to join our team. This job performs and applies insurance coverage, rules and guidelines to execute the underwriting decision-making process according to Company underwriting philosophy. This job includes training and development through completion of the Company's underwriter training program for the assigned line of insurance and requires the person to:

• Learn various insurance coverages and contracts along with company philosophy and procedures, in order to make underwriting decisions
• Read, interpret, and react to documents such as policies, manuals, forms, and endorsements to understand their meaning and use
• Assemble information, develop opinions, and clearly express decisions using sound reasoning and judgment
• Analyze loss experience, financial conditions and physical characteristics of risks
• Acquire a working knowledge of supporting sections of the underwriting department
• Effectively communicate with independent agents and other associates through verbal and/or written means
• Participate in and successfully complete the Company underwriter training program

Desired Skills & Experience

• Bachelor's degree or direct equivalent experience with property/casualty underwriting
• Ability to organize data, multi-task and make decisions independently
• Above average communication skills (written and verbal)
• Ability to write reports and compose correspondence
• Ability to resolve complex issues
• Continually develop product knowledge through participation in approved educational programs

Benefits

• Along with a matched 401(k), fully funded pension plan (once vested)
• medical, prescription, dental and vision insurance
• associate, spouse and child life insurance
• short-term disability
• long-term disability
• health care flexible spending accounts
• dependent care flexible spending accounts
• generous paid time off including holidays, vacation days, personal time, sick leave and parental leave
• adoption assistancediscounts on personal insurance
• education matching gift program
• gym membership and fitness class reimbursement program

Compensation

Auto-Owners offers a generous compensation package. The base salary range for this position is $68,000-$88,000. Starting salary within the range is determined based on relevant experience, education, qualifications, and other job-related factors. Other components of the compensation package include several bonus opportunities.

Equal Employment Opportunity

Auto-Owners Insurance is an equal opportunity employer. The Company hires, transfers, and promotes on the basis of ability, without consideration of disability, age, sex, race, color, religion, height, weight, marital status, sexual orientation, gender identity or national origin, or any factor contrary to federal, state or local law.

Please note that the ability to work in the U.S. without current or future sponsorship is a requirement