Personal Lines Underwriter

SafePoint Insurance Company; Tampa (FL); On-site; USD 63,000 - 77,000; Full time

Benefits offered by this job

Health Insurance

401K Plan with Company Match

Paid Time Off

Company Holidays

Dental Insurance

Vision Insurance

Disability Insurance

Flexible Spending Accounts

Health Savings Accounts

Life Insurance

Job summary

Safepoint MGA is seeking experienced Homeowners underwriters to support our Personal Lines Homeowners department. If you excel in risk analysis and underwriting, join a stable, mission-focused team in Florida.

Responsibilities include reviewing applications, inspections, and endorsements, interpreting policies across lines, and ensuring accurate data entry. Florida licensing is required to perform duties.

Qualifications

• 3–5 years of underwriting experience for a carrier in property and casualty homeowners insurance is required.
• Florida resident 2‑20 or 20‑44 license and reciprocal licenses in all 50 states.
• Thorough knowledge of the underwriting process and the analytics involved.
• Excellent communication and organizational skills.
• Advanced computer skills and strong systems knowledge.

Responsibilities

• Reviews applications, inspections, and endorsement requests to determine eligibility within company guidelines.
• Reviews exterior inspection reports, new business submissions, risk alerts, and follow-up tasks on accounts needing additional underwriting review/action.
• Interprets manuals and contracts for multiple lines of business in multiple states.
• Researches and correctly enters information into the company policy administration system.
• Communicates effectively internally and externally, escalating issues when warranted.
• Adheres to the established productivity and quality metrics.

Skills

Underwriting

Risk analysis

Communication

Organization

Decision making

Education

College degree

Tools

Underwriting systems

Job description

Safepoint MGA is an admitted Property & Casualty insurance carrier seeking experienced Underwriters to support our Personal Lines Homeowners department. If you have a passion for risk analysis and a strong background in homeowners underwriting, we encourage you to apply!

Why This Opportunity Stands Out:

Competitive, Transparent Pay:

• Qualified, seasoned Underwriters can earn a base salary of up to $70,000.00 annually

Sign-On Bonus:

• Qualified Underwriters are eligible to earn a $2,000.00 sign‑on bonus following their introductory period

Crowned One of Florida Trend’s Best Companies to Work For, 2025:

• We’re proud to be recognized by Florida Trend in their annual Best Companies to Work For list, highlighting our standout workplace culture and employee satisfaction!

Financial Stability and Employee Visibility:

• You’re not a number here. Join a financially solid, mission-focused team where your contributions are noticed and your growth is supported

Job Summary

Reviews applications, inspections, and endorsement requests to determine the eligibility of the property or request for coverage within the company guidelines.

Duties And Responsibilities

• Reviews exterior inspection reports, new business submissions, risk alerts, as well as follow up tasks on accounts needing additional underwriting review/action
• Reviews requests for underwriter cancellation/nonrenewal action, reinstatement requests, and endorsements for acceptability
• Interprets manuals and contracts for multiple lines of business in multiple states.
• Researches and correctly enters information into the company policy administration system
• Communicates effectively internally and externally, escalating issues when warranted
• Adheres to the established productivity and quality metrics established.
• Other tasks and projects may be assigned

Essential Functions

• Assists internal service associates via telephone and e-mail with exception requests beyond their authority level
• Ability to think critically, assess risk, and make informed decisions
• Assists agents via telephone and e-mail with new business exception requests.
• Provides feedback on submissions and documentation needed to make application or endorsement acceptable to the company
• Ability to obtain and maintain resident Property & Casualty insurance licensing through the Florida DFS, and reciprocal licenses in all 50 states in the continental United States

Qualifications

• 3-5 years of underwriting experience for a carrier in property and casualty homeowners insurance required
• FL resident 2-20 or 20-44 license and reciprocal licenses in all 50 states
• Thorough knowledge of the underwriting process and the analytics involved
• Excellent communication and organizational skills
• Advanced computer skills and strong systems knowledge
• College degree preferred

Licensing Requirements

Please note that most organizations overseeing Property and Casualty licensure requirements, including the Florida Department of Financial Services, require individuals to answer background questions about criminal history and undergo fingerprinting as part of the licensing process. Obtaining applicable licensure is a requirement for this position.

Physical Requirements

While performing the duties of this job, the employee is regularly required to talk or hear. The employee frequently is required to stand; walk; use hands to type, handle, or feel; and reach with hands and arms.

Working Conditions

This job operates in a professional office environment. This role routinely uses standard office equipment such as computers, phones, copiers, filing cabinets and fax machines.

Safepoint MGA, LLC does not offer immigration sponsorship or support for this role. This includes serving as the immigration employer of record or providing documentation or assistance for work authorization processes now or in the future, including H-1B, OPT, STEM OPT, CPT, J-1, etc.

Compensation And Benefits

We recognize that talented professionals are attracted to companies that provide a great place to work, combined with a comprehensive and competitive pay and benefits package, along with opportunities for personal growth and job advancement. For this reason we are pleased to provide:

• Market Competitive Wages commensurate with experience
• Sign-on bonus potential
• Prof. Development and Educational Assistance Programs
• Safe Harbor 401K Plan with Immediate Vesting and an Automatic Company Contribution
• Paid Time-Off (Discretionary, PTO, Parental Leave, and others)
• Company Paid Holidays
• Health Insurance
• Dental Insurance
• Vison Insurance
• Short and Long Term Disability Insurance
• Flexible Spending Accounts with Company Contribution
• Health Savings Accounts with Company Contribution
• Employee Life and AD&D Insurance
• Dependent Life and AD&D Insurance
• Free AAA Membership
• Identity Theft Protection
• Other Ancillary Insurance Benefit Programs
• And more…

Safepoint Insurance is an equal employment opportunity employer. We adhere to a policy of making employment decisions without regard to race, color, religion, sex, sexual orientation, national origin, citizenship, age or disability. We assure you that your opportunity for employment with Safepoint depends solely on your qualifications.