Personal Lines Underwriter

Tower Hill Insurance Group; Florida; On-site; USD 60,000 - 80,000; Full time

Benefits offered by this job

Medical

Dental

Vision

Life & Disability Insurance

401(k)

Health Savings Account

Accident, Critical Illness andHospital

Pet insurance

Paid time off & Holiday pay

Job summary

Tower Hill Insurance Group is seeking a Personal Lines Underwriter in Florida. The role focuses on evaluating new and renewal applications, reviewing risk information, and supporting policy decisions under supervision.

It emphasizes customer service, teamwork, and accurate documentation to grow the Personal Lines portfolio. The position offers opportunities for skill development, training, and advancement within a growth-oriented company, with competitive benefits and a long-term career path in

Qualifications

• Bachelor’s Degree required; equivalent experience may substitute.
• Minimum of one year of relevant work experience preferred.
• Property and casualty insurance designations preferred (AIC, CPCU).
• Active Insurance License strongly preferred.

Responsibilities

• Review applications and endorsements to evaluate submissions per underwriting guidelines.
• Assess risk quality for in-force book during renewal reviews and initiate loss prevention actions.
• Research and resolve missing information requests from agency partners.
• Communicate with agents daily via phone, diary, and email to obtain information and respond to inquiries.
• Collaborate with field reps and other insurers to obtain information and explain underwriting policies.
• Build relationships with internal teams to attract and retain profitable business.
• Explain products and services to customers and agents clearly.
• Represent the organization at agent meetings and events as needed.

Skills

Underwriting

Risk assessment

Customer service

Communication

Education

Bachelor's Degree

Equivalent experience may substitute for minimum educational requirements

Active Insurance License preferred

Property and Casualty designations preferred (AIC, CPCU)

Job description

Job Type: Full-time

Tower Hill Insurance Group has an exciting opportunity for a talented Personal Lines Underwriter who enjoys intellectual challenges and is seeking a rewarding career with a company that is experiencing growth. Not only is Tower Hill Insurance one of Florida's most trusted names in homeowners insurance, but it offers great opportunities for career advancement and personal growth, along with very competitive benefits and rewards. We are growing at a consistent pace and seek professional individuals with drive, team mentality, who want to make an impact, and are committed to a long-term career in the insurance industry.

The Personal Lines Underwriter supports the evaluation of new and renewal insurance applications in accordance with company guidelines. This role involves reviewing risk information, assisting in policy decisions, and collaborating with agents and internal teams to obtain necessary documentation under close supervision. This position provides an opportunity to develop foundational underwriting skills, exercise sound judgment, and contribute to the effective management of the Personal Lines portfolio.

Essential Duties And Responsibilities

• Review insurance applications and endorsements to evaluate submissions information required to accept or reject new policies based on underwriting guidelines.
• Assess risk quality for in-force book of business through renewal review process to ensure compliance within company guidelines and initiate appropriate loss prevention actions.
• Research and resolve requests for missing information from agency partners.
• Must be highly customer service oriented and able to communicate effectively in a fast-paced team environment. Utilize strong written and verbal communication skills to develop and leverage customer relationships.
• Communicate daily with agents via telephone, internal diary, and email to obtain information, respond to inquiries, and assist in risk placement and rating.
• Communicate with field representatives and other insurance or inspection companies to obtain information, answer inquiries, and explain company underwriting policies.
• Develop and maintain effective business relationships with internal customers including, Actuary, Marketing, IT and Claims to attract and retain profitable business.
• Interpret and explain products and services to internal and external customers.
• May represent the organization at agent meetings, company events, and other business functions as needed.

Additional Duties

This job description reflects the general duties considered necessary to describe the essential functions of the job and should not be considered a complete description of all the work requirements and expectations of the position. Tower Hill reserves the right to assign duties not listed herein as necessary to accomplish the goals of the organization.

Requirements

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

EDUCATION

Bachelor’s Degree required.

Equivalent experience may substitute for minimum educational requirements. Equivalent experience may include two (2) years of relevant experience.

Experience

Minimum of one (1) year of relevant work experience preferred.

CERTIFICATIONS

Property and casualty insurance industry designations preferred (i.e. Associate in Claims [AIC], Chartered Property Casualty Underwriter [CPCU], etc.).

LICENSES

Active Insurance License strongly preferred.

Benefits

• Medical
• Dental
• Vision
• Life & Disability Insurance
• 401(k)
• Health Savings Account
• Accident, Critical Illness and Hospital Indemnity
• Pet insurance
• Paid time off & Holiday pay

We offer competitive pay and benefits, and well-being programs to support you and your family. For more information about our company, careers and Total Compensation visit: Total Compensation - Tower Hill Insurance (thig.com)

Tower Hill Insurance is an equal opportunity employer, and all qualified applicants will receive consideration for employment without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws.

Tower Hill Insurance is committed to working with and providing reasonable accommodation for individuals with disabilities. If you need reasonable accommodation because of a disability for any part of the employment process, please send an e‑mail to [e-mail] and let us know the nature of your request and your contact information.

All applicants will receive an acknowledgement that their application has been received. Candidates will not receive status updates regarding their application; however, those candidates selected for further consideration will be contacted by Human Resources.