Underwriter

Socket.dev; Des Moines (IA); On-site; USD 70,000 - 90,000; Full time

Benefits offered by this job

Internet reimbursement

Medical insurance

Dental insurance

Vision insurance

Health Savings Account

Flexible Spending Accounts

Disability insurance

Life Insurance

401(k)/Roth 401(k) with company match

Defined Benefit Pension Plan

Job summary

Midwest Family Mutual Insurance Company is seeking a Commercial and Personal Lines Underwriter to join our fully remote team. You will underwrite new and renewal submissions, assess risk, and maintain strong relationships with independent agents.

You will help evolve underwriting guidelines and AI tools while ensuring compliance and timely decisions. Bachelor’s degree preferred; 3+ years in property and casualty insurance; strong communication and Microsoft Office skills; capable of working

Qualifications

• Minimum of 3 years of property and casualty insurance experience.
• Strong understanding of personal and commercial lines.
• Ability to interpret coverage forms and endorsements.
• Excellent written and verbal communication skills.
• Self-motivated and able to work independently with good time management.
• Proficient with Microsoft Office and underwriting systems.

Responsibilities

• Evaluate and underwrite both commercial and personal lines of new and renewal business.
• Assess risk characteristics to determine pricing and coverage options.
• Cultivate and maintain relationships with independent agents.
• Negotiate terms with producers to write profitable business.
• Maintain compliance with underwriting policies and regulatory requirements.
• Contribute to underwriting strategy and AI-driven tool development.
• Participate in training and knowledge-sharing initiatives.

Skills

P&C insurance knowledge

Underwriting

Communication (written and verbal)

Time management

Independent work

Microsoft Office

Attention to detail

Agent relations

Education

Bachelor’s degree in Business/Insurance or related field

Professional designations (CPCU/AU/ARM) a plus

Tools

Microsoft Office Suite

Insurance underwriting systems

Job description

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.

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.

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.