Homeowner Property Underwriter | Florida

King's Insurance Staffing; Town of Florida (NY); On-site; USD 65,000 - 90,000; Full time

Benefits offered by this job

PTO and holidays

401(k) match

Life insurance

Disability insurance

Professional development and CE

Job summary

King’s Insurance Staffing is seeking an experienced Homeowner Property Underwriter to join our Florida team. You will evaluate new business applications, property inspection findings, and account documentation to determine if risks meet underwriting standards.

The ideal candidate will have 3–7+ years of Personal Lines Property underwriting experience, an active Florida 2-20 or 20-44 license, and strong risk assessment abilities.

Qualifications

• 3–7+ years of Personal Lines Property underwriting experience.
• Active Florida 2-20 or 20-44 license.
• Strong understanding of personal lines underwriting practices, property risk evaluation, and policy eligibility requirements.
• Ability to interpret underwriting guidelines, policy language, inspection results, and supporting documentation.
• Excellent critical thinking, decision-making, organizational, and communication skills.
• Strong computer proficiency and ability to work within policy administration and underwriting systems.

Responsibilities

• Analyze new business applications, property inspection reports, underwriting alerts, and pending account activities to determine risk eligibility.
• Evaluate endorsement requests, reinstatements, cancellations, and non-renewals per underwriting guidelines.
• Review property characteristics, supporting documentation, and exposure information to make informed underwriting decisions.
• Apply policy forms, underwriting manuals, and coverage requirements across multiple states and personal lines products.
• Approve acceptable risks and provide clear recommendations when additional information, documentation, or corrective action is required.
• Respond to agent inquiries regarding new business submissions, underwriting exceptions, and risk eligibility.

Skills

Risk assessment

Decision making

Communication skills

Organizational skills

Analytical thinking

Policy interpretation

Education

Florida license (2-20 or 20-44)

Tools

Policy administration systems

MS Office

Job description

Our client, a leading Personal Lines P&C Insurance Company, is seeking an experienced Homeowner Property Underwriter to join their expanding Florida team! This position will be responsible for evaluating new business applications, property inspection findings, policy changes, and account documentation to determine whether risks meet established underwriting standards.

The ideal candidate will be well-versed in underwriting homeowners' property business, possess strong risk-assessment abilities, and experience working directly with agents and internal service teams.

Responsibilities

• Analyze new business applications, property inspection reports, underwriting alerts, and pending account activities to determine risk eligibility.
• Evaluate endorsement requests, reinstatements, cancellations, and non-renewals in accordance with underwriting guidelines.
• Review property characteristics, supporting documentation, and exposure information to make informed underwriting decisions.
• Apply policy forms, underwriting manuals, and coverage requirements across multiple states and personal lines products.
• Approve acceptable risks and provide clear recommendations when additional information, documentation, or corrective action is required.
• Respond to agent inquiries regarding new business submissions, underwriting exceptions, and risk eligibility.

Qualifications

• 3 - 7+ years of Personal Lines Property underwriting experience.
• Active Florida 2-20 or 20-44 insurance license, strongly desired.
• Strong understanding of personal lines underwriting practices, property risk evaluation, and policy eligibility requirements.
• Demonstrated ability to interpret underwriting guidelines, policy language, inspection results, and supporting documentation.
• Excellent critical thinking, decision-making, organizational, and communication skills.
• Strong computer proficiency and the ability to work efficiently within policy administration and underwriting systems.

Salary & Benefits

• $65,000 - $90,000 (depending on experience) + annual bonuses up to 20%
• Paid time off and company-paid holidays
• Lucrative 401(k) company match
• Life and disability insurance
• Professional development and continuing education support
• Additional benefits and employee programs may be available