Personal Lines Insurance Underwriter

Rural Mutual Insurance Company; Madison (WI); Hybrid; USD 60,000 - 65,000; Full time

Benefits offered by this job

Hybrid schedule

Health insurance

Dental insurance

Vision insurance

401(k) matching

Generous time off

Job summary

Rural Mutual Insurance is seeking an analytical, detail-driven Personal Lines Underwriter to join our team. You’ll work closely with agents and internal teams to evaluate risk and support sound underwriting decisions for personal lines products.

This role offers the flexibility of a hybrid schedule following successful onboarding and training. At Rural Mutual Insurance, we offer a supportive work environment, career growth opportunities, and a comprehensive compensation package that includes

Qualifications

• 2+ years of personal lines underwriting experience preferred.
• Associate degree or equivalent from a two-year college or technical school or equivalent experience preferred.
• Excellent oral and written communication skills.
• Excellent attention to detail; ability to multitask and make decisions.
• Strong team player.
• Demonstrated analytical and problem-solving skills.
• Self-motivated with the ability to work independently.
• Additional education in insurance or related coursework is preferred.

Responsibilities

• Evaluate risk for acceptance, rejection, or modification in Homeowners and Personal Auto lines per guidelines.
• Review and evaluate agent requests outside established underwriting guidelines.
• Review and evaluate incoming policy change requests.
• Review and evaluate risk alerts from claim adjusters and decisions on renewal impact.
• Respond promptly to emails, phone calls, and correspondence.
• Follow procedures and department service standards; make decisions within authority.
• Perform other duties as assigned.

Skills

Attention to detail

Analytical and problem-solving skills

Excellent communication skills

Team player

Multitasking and decision-making

Self-motivated

Bilingual abilities (Spanish, Hmong, a

Education

Associate degree or equivalent

Tools

Microsoft Office

Job description

Rural Mutual Insurance is seeking an analytical, detail‑driven Personal Lines Underwriter to join our team. You’ll work closely with agents and internal teams to evaluate risk and support sound underwriting decisions for personal lines products. This role offers the flexibility of a hybrid schedule following successful onboarding and training.

At Rural Mutual Insurance, we offer a supportive work environment, career growth opportunities, and a comprehensive compensation package that includes health, dental, and vision insurance, a matching 401(k), and generous time off. We’ve earned consistent recognition as a Madison Magazine Best Places to Work and an A+ AM Best financial strength rating. If you're ready to be part of a team that values your expertise and encourages your professional growth,

Compensation:

$60,000 - $65,000 yearly

Qualifications

• 2+ years of Personal lines underwriting experience is highly preferred.
• Associate degree or equivalent from a two-year college or technical school or equivalent experience preferred.
• Excellent oral and written communication skills.
• Excellent attention to detail; ability to multitask and make decisions.
• Strong team player.
• Demonstrated analytical and problem-solving skills.
• Self‑motivated with the ability to work independently.
• Demonstrated proficient personal computer skills, with working knowledge of Microsoft Suite.
• Additional education in insurance or other industry‑related coursework is preferred. Interest in pursuing additional education in the insurance industry.
• Bilingual abilities (Spanish, Hmong, etc.) a plus.

Responsibilities

• Evaluate risk for acceptance, rejection, or modification in compliance with company guidelines and procedures for Homeowners and Personal Auto lines of business.
• Review and evaluate requests from agents for approval of situations that may fall outside the established underwriting guidelines.
• Review and evaluate incoming policy change requests.
• Review and evaluate risk alerts based upon activity and information provided from claim adjusters, and make decisions regarding renewal impact.
• Review and promptly respond to incoming e‑mails, phone calls, and correspondence.
• Ability to make decisions, follow procedures, follow the letter of authority, and work within the published department service standards.
• Perform other duties as assigned.