Property & Casualty Underwriter

Midwest-Family-Mutual; Des Moines (IA); Remote; USD 65,000 - 90,000; Full time

Benefits offered by this job

Medical insurance

Dental insurance

Vision insurance

Health Savings Account

Flexible Spending Accounts

Disability insurance

Life Insurance

401(k) with company match

Pension plan

Job summary

Midwest Family Mutual Insurance Company in Des Moines, IA seeks a Property & Casualty Underwriter to manage commercial and personal lines submissions under established guidelines. You will assess risk, price coverage options, and cultivate strong relationships with independent agents.

The role requires 3+ years in P&C insurance, excellent communication, and the ability to work independently while collaborating across teams.

Qualifications

• Bachelor's degree in Business, Insurance or related field preferred.
• CPCU/AU/ARM designation a plus and demonstrate commitment to ongoing education.
• Minimum 3 years of property and casualty insurance experience.

Responsibilities

• Evaluate and underwrite commercial and personal lines submissions per guidelines.
• Assess risk, determine pricing and coverage options.
• Cultivate relationships with independent agents.
• Negotiate terms to write profitable business.
• Maintain compliance with policies and regulatory requirements.
• Contribute to underwriting strategies and workflows, including AI tools.
• Participate in training and knowledge-sharing initiatives.

Skills

Analytical skills

Attention to detail

Communication skills

Independent worker

Team collaboration

Time management

MS Office proficiency

Education

Bachelor's degree in Business or Insurance

Professional designations (CPCU/AU/ARM) a plus

Tools

Microsoft Office Suite

Job description

Property & Casualty Underwriter

Midwest Family Mutual Insurance Company Des Moines, Iowa, United States

About this position

Description:

Midwest Family Mutual Insurance Company is an "A-" (Excellent) rated property & casualty insurance company. We have maintained a fully work-from-home environment since 2006 and are seeking a Commercial and Personal Lines Underwriter to join our growing team.

Key Responsibilities

• Evaluate and underwrite both commercial and personal lines of new and renewal business submissions in accordance with assigned authority levels and underwriting guidelines.
• Assess risk characteristics and exposure to determine pricing and coverage options.
• Cultivate and maintain strong relationships with independent agents.
• Negotiate terms and conditions with producers to write profitable business.
• Maintain compliance with underwriting policies, standards, and regulatory requirements.
• Contribute to the evolution of underwriting strategies, guidelines, and workflows, including the development of AI-driven tools to enhance underwriting accuracy, efficiency, and decision-making.
• Participate in training, mentoring, or knowledge-share initiatives to support continuous improvement.

Compensation & Benefits

• Competitive salary, internet reimbursement, and an excellent benefits package including Medical, Dental, Vision, Health Savings, and Flexible Spending accounts.
• Short-Term and Long-Term Disability, and Life Insurance.
• Robust retirement plans, including a 401(k)/Roth 401(k) with company match and a Defined Benefit Pension Plan.

Requirements

• Minimum of 3 years of experience in property and casualty insurance is required.
• Strong understanding of both personal and commercial lines of insurance is preferred.
• Proficient knowledge of coverage forms and endorsements, with the ability to interpret and apply them effectively.
• Demonstrated organizational and analytical skills, with a keen attention to detail.
• Must have high-speed cable/DSL internet and a dedicated home office space.
• Excellent written and verbal communication skills.
• Self-motivated and capable of working independently with strong time-management abilities.
• Proficient in Microsoft Office Suite and comfortable with various technologies and systems; strong keyboarding skills.
• Effective team player, able to collaborate across departments and roles.
• Commitment to regular and reliable attendance.
• Adherence to internal control policies relevant to assigned job responsibilities and administrative duties.
• Willingness to perform additional duties as assigned by management.

Education

• Bachelor's degree in Business, Insurance, or a related field preferred.
• Professional designations (e.g., CPCU, AU, ARM) are a plus and demonstrate a commitment to ongoing industry education.