Property & Casualty Underwriter

Midwest Family Group; Des Moines, Northern (IA, KY); Hybrid; USD 65,000 - 95,000; Full time

Benefits offered by this job

Health insurance

Dental insurance

Vision insurance

401(k) with company match

Flexible Spending Accounts

Disability insurance

Life Insurance

Work-from-home

Job summary

Midwest Family Mutual Insurance Company is seeking a Commercial and Personal Lines Underwriter to join our fully remote team. You will underwrite both commercial and personal line submissions, assess risk, and determine pricing and coverage options.

You will cultivate strong relationships with independent agents, negotiate terms, ensure policy compliance, and contribute to the evolution of underwriting guidelines and AI-driven decision support, all while maintaining high standards of accuracy.

Qualifications

• Minimum 3 years of property and casualty underwriting experience.
• Familiarity with both personal and commercial lines.

Responsibilities

• Evaluate and underwrite commercial and personal lines submissions.
• Assess risk and determine pricing and coverage options.
• Cultivate and maintain relationships with independent agents.
• Negotiate terms and conditions with producers to write profitable business.
• Maintain compliance with underwriting policies and regulatory requirements.
• Contribute to underwriting strategy and AI-driven tool development.

Skills

Underwriting

Risk assessment

Agent relationships

Communication

Time management

Attention to detail

Self-motivation

MS Office

Tech savvy

Teamwork

Education

Bachelor’s degree in Business or Insurance

CPCU/AU/ARM designation

Tools

MS Office Suite

Insurance underwriting software

CRM systems

Job 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.