Commercial Lines Underwriter

aoins; West Des Moines (IA); Hybrid; USD 52,000 - 76,000; Full time

Job summary

Auto-Owners Insurance is seeking a motivated underwriting trainee to join our team. This role supports underwriting decisions by applying coverage rules in line with company philosophy and participates in the underwriter training program.

After initial in-person training, there may be flexibility for work-from-home time as defined by leadership. The position emphasizes learning, collaboration with agents, and professional growth within a top-rated insurer.

Qualifications

• 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 approved educational programs.

Responsibilities

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

Skills

Data organization

Decision making

Communication skills

Report writing

Issue resolution

Learning mindset

Education

Bachelor's degree or equivalent in 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.

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.

Job Description

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

Auto-Owners offers a wide range of career opportunities, and we are seeking talent that will help us continue our long tradition of success. We offer a friendly work environment, structured training program, employee mentoring and an excellent compensation/benefits package. Along with a competitive base salary, matched 401(k), fully-funded pension plan (once vested), and bonus programs, Auto-Owners also provides generous paid time off including holidays, vacation days, personal time, and sick leave. If you're looking to do rewarding work alongside great people, Auto-Owners is the place for you!

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.

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