Underwriter Personal Lines

DUAL North America, Inc.; Dallas, Northern (TX, KY); Hybrid; USD 80,000 - 110,000; Full time

Benefits offered by this job

Medical, dental, vision coverage

Unlimited PTO

401k with company match

Volunteer days

Hybrid work model

Job summary

DUAL North America is seeking an experienced Underwriter for Personal Lines in Dallas, TX. You will assess risk, interpret underwriting guidelines, and make decisions on new and renewal policies while coordinating with agents and the Customer Contact Center.

This role requires independent work habits, strong attention to detail, and solid knowledge of insurance terminology and Microsoft Office. Join a culture that values people, flexibility in a hybrid environment, and opportunities to

Qualifications

• Minimum 5 years of personal lines underwriting experience.
• Bachelor's degree preferred.
• Proficient in Microsoft Office and insurance terminology.

Responsibilities

• Review new and renewal personal lines property insurance applications.
• Apply underwriting guidelines across states and lines of business.
• Serve as a point of contact for customer/agent inquiries.
• Interpret process guides to evaluate risk and determine handling.
• Meet time service, production and quality expectations.
• Collaborate with leadership on projects.
• Order and review property inspections.

Skills

Personal Lines Underwriting

Communication

Detail-oriented

Education

Bachelor's Degree

Tools

Microsoft Office Suite

Job description

## Underwriter Personal LinesApply: Dallas – 325 North Saint Paul: Full time: Posted Yesterday: End Date: November 6, 2026 (30+ days left to apply): R0019151At DUAL North America, our core values dictate how we live and work. We are a group with independence and people at its heart and we are a home for talent with a unique culture: the biggest small company in the world. The focus on being a People First business has always been at the very heart of the Group; Our vision was to create an independent business with a unique culture and one that would survive and thrive as a business controlled by the people working for it. And finding the most talented and entrepreneurial people to join the Group has been and will continue to be key.DUAL North America, Inc. is seeking aUnderwriter Personal LinesClassification: Exempt/Full-TimeReports to: Underwriting Territory ManagerLocation: Dallas, TX - Hybrid**Role overview**At DUAL, Underwriters play a key role throughout the lifecycle of all personal lines insurance products. In this role, you will be responsible for understanding and applying underwriting guidelines across multiple states and lines of business. You will work closely with members of the Customer Contact Center and Independent Insurance Agents to ensure that new business and renewal policies are issued and modified in accordance with published guidelines and processes while meeting the needs of our policyholders.As an Underwriter you will independently manage a myriad of different activities on a daily basis including the review of policy applications, binders and in force policies. You will be engaging with independent agents and employees across DUAL via the phone, emails and in a variety of other manners in this fast paced, engaging and dynamic workplace. As you work to review property inspections gather supporting documentation, and help manage workflows, you are serving as the gate keepers of DUAL.**Role responsibilities**• Review new and renewal personal lines property insurance applications and policies to determine appropriate underwriting action.• Make decisions concerning the eligibility of individual property submission by assessing risk factors and exercising underwriting discretion.• Serve as a point of contact for customer/agent inquiries during the insurance policy life cycle• Interpret underwriting process guides to evaluate risk, interpret requirements, and determine appropriate handling of submissions.• Attend and participate in departmental meetings• Respond to agent phone calls and emails• Maintain an up to date understanding of all products offered by DUAL Personal Lines.• Order, review and follow up on property inspections to assess findings and determine appropriate next steps.• Meet time service, production and quality expectations on all work types• Partner with leadership on projects as needed• Other related duties as assigned**Key requirements**• 5+ Years of Personal Lines Underwriting experience required• Bachelor's Degree preferred• Advanced knowledge of Insurance terminology• Self-motivated• Ability to manage multiple priorities and expectations• Ability to work independently for extended periods• Flexible and adaptable• Excellent written, verbal and client-facing communication skills• Proficiency in Microsoft Office Suite (Word, Excel, Outlook, PowerPoint)• Ability to follow policies and procedures• Self-motivated with strong attention to detail• Must be able to remain in a stationary position 50% of the time, with occasional movement in the office to access cabinets and equipment.• If you do not meet all the qualifications for this role, we still encourage you to apply, as we are always looking for diverse talent to join our growing team**What we offer:** A career that you define. Yes, we offer all the usual rewards and benefits - including medical, dental, vision, a wide variety of wellbeing offers, competitive salary, unlimited PTO, 401k with company match, paid volunteer days and more.We provide an environment where new ideas are encouraged and celebrated, where people who want to have a real hand in our success thrive. We want people who want to make a difference - not just in the workplace, but in the industry and in the wider community.**EEO Statement:** We consider our people our chief competitive advantage and as such we treat colleagues, candidates, clients, and business partners with equality, fairness, and respect. DUAL North America provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type 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. This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation, and training. DUAL will ensure that individuals with disabilities are provided reasonable accommodation to participate in the job application or interview process, to perform essential job functions, and to receive other benefits and privileges of employment.**About DUAL NA:** DUAL North America is the leading underwriting organization in the US and part of an international insurance organization with operations in 45 countries across the world. DUAL offers commercial property, casualty, financial lines, and personal property insurance products underwritten through several specialized subsidiaries. Since 2013, we have grown to over 600 employees in 14 offices across the US, and we are continuing to grow. DUAL is committed to building a balanced business and contributing to a sustainable world.