Underwriter - Personal Lines

Capital Insurance Group; Monterey (CA); Hybrid; USD 55,012 - 91,687; Full time

Benefits offered by this job

Paid Time Off (PTO)

Benefits for you and family

401k with match

Health, Dental, Vision

Hybrid work flexibility

Life Insurance

Employee Assistance

Wellness programs

Job summary

Capital Insurance Group in Monterey, CA is seeking a Personal Lines Underwriter to maintain an underwriting desk, ensure profitability, and build strong relationships with agencies. You will apply underwriting appetite and company philosophy to partner with agents for growth.

The role requires knowledge of personal lines insurance, experience in underwriting, and collaboration with the Underwriting Supervisor to support renewal profitability goals.

Qualifications

• Knowledge of insurance terminology and laws.
• Experience underwriting Personal Lines.
• 3 years of experience or equivalent.
• Excellent verbal and written skills.
• Experience with automated underwriting and rating systems.
• Proficient with MS Office.
• Candidates must be authorized to work in the United States.

Responsibilities

• Review and maintain agency management practices for assigned agents, using this information for file decisions and quarterly agency reviews.
• Draft for Department of Insurance complaints with the PL Underwriting Supervisor.
• Complete underwriting and file reviews on referred new business, endorsements, inspections, CRU, and renewal questionnaires.
• Field incoming phone calls and emails from agents to provide underwriting answers and service for the territory.
• Achieve annual growth, loss ratio, retention and time-service goals.
• Maintain Agency Management and regular contact with ADM Agency Development Manager to facilitate production.
• Undertake special projects as requested by management, and participate in audits and quality control reviews.
• Job description is a guide and not a prescriptive list of duties.

Skills

Underwriting knowledge

Insurance terminology

MS Office

Communication skills

Experience in Personal Lines

Automated underwriting

Work authorization (USA)

Education

College degree preferred

Tools

MS Office Suite

Job description

Career Opportunities with California Capital Insurance

A great place to work.

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At Capital Insurance Group we offer our employees more than just a job. We foster career growth, provide opportunities to give back to our communities, and help you take the next step in your career!

CIG was founded in 1898 by a group of earnest farmers in need of protection and today, we are the leading West Coast Property & Casualty insurer. CIG is certified as a Great Place to Work and provides a collaborative, inclusive, and fun work culture for all employees.

Why Choose CIG’s Personal Lines Underwriting Team?

This is your perfect opportunity to join a company that is building momentum with our independent agents and protecting the dreams and assets of our policyholders. Join the CIG Underwriting team in helping build a safer world where dreams soar!

• Accrue twenty-one days of Paid Time Off during your first year
• Up to eighty-seven percent of benefits are covered by CIG for you and your family members
  • Medical, Dental, Vision plans, Telehealth
• One hundred percent covered plans
  • Basic Life & AD&D
  • Employee Assistance
  • Leave Management
  • Long Term Disability
  • Short Term Disability (Outside of CA)
  • Employee Benefit Advocacy Hot Line
• Family Caregiver Support (Homethrive)
• Child Care Resources (Tootris)
• Business Travel Accident Protection
• Voluntary benefit offerings
  • Short-term Disability (CA only)
  • Voluntary Life AD&D self, spouse, and child plans
  • Flexible Spending (FSA)
  • Health Savings (HSA)
  • Hospital Indemnity
  • Accidental Injury
  • Pet Insurance
  • Commuter Benefit
• Critical Illness
• ARAG Legal Services
• Norton LifeLock
• Above and Beyond Reward Recognition Program
  • Kudos & Shout Out Points Program
  • Quarterly Above and Beyond Bonus Program
  • Annual Above and Beyond Bonus Program
• Competitive compensation
  • Base compensation
  • Salary Management Spot Bonuses
  • Annual Incentive/Profit sharing program, potential payout annually based on company results.
• Gym memberships, credit union, travel, shopping, restaurants, theme parks, and more
• Insurance, educational reimbursement, and bonus programs
• Employee Referral Bonus Program
• Home and Auto Insurance Discount Program.
• Paid Volunteer Time – Through company-planned community events and choose your own adventure PVT in giving back in ways that are meaningful to you!
• Retirement savings benefit (401k and Roth + match)
• Wellness platform, tools, and events - Vitality
• Health Savings Account – match
• Financial Wellness Resources

This is a hybrid-eligible position, where Monday through Wednesday would be working in one of our offices, with Thursday and Friday eligible for work-from-home days. Office locations include: Reno (NV), Monterey (CA), Roseville (CA), and Phoenix (AZ).

Overview

The Personal Lines Underwriter is responsible for maintaining an underwriting desk which includes the individual risk selection according to company guidelines. In addition, the role requires maintaining profitability, establishing strong internal as well as external customer relationships. The position will provide knowledge of underwriting appetite and company philosophy to our agency partners. The individual will participate in audits and special projects as needed to facilitate the continued growth and renewal profitability goals. This person will work closely with the Underwriting Supervisor on any matters related to Personal Lines Underwriting.

Responsibilities

• Review and maintain agency management practices for assigned agents, utilizing this information for respective file decisions and quarterly agency reviews.
• Complete drafts for Department of Insurance complaints with the assistance of the PL Underwriting Supervisor
• Complete underwriting and file reviews on referred new business, endorsements, inspections, CRU Claim Report to Underwriting, and renewal questionnaires.
• Field incoming phone calls and email messages from agents to provide underwriting answers to inquiries and service for the assigned territory.
• Achieve annual growth, loss ratio, retention and time service goals\
• Agency Management – Use of APS Agency Profile System and regular contact with ADM Agency Development Manager in a mutual partnership to facilitate production.
• Undertakes special projects as requested by management. May participate in audit and quality control reviews.
• Job description is not prescriptive, but rather a guide as to the duties and responsibilities you will have, however it is not limited to the listed above.

Requirements

• Knowledge of insurance industry terminology and laws
• General policies and procedures for underwriting personal lines insurance risks
• A college degree is preferred with 3 years’ experience as a Personal Lines underwriter or equivalent experience.
• Demonstrated ability to apply sound underwriting principles in a professional, consultative manner.
• Excellent verbal and written skills are required.
• Continued personal development in insurance courses is desirable.
• Experience with automated underwriting and rating systems.
• Experience with Microsoft software including Word, Excel, Outlook and Power Point
• Candidates must be authorized to work in the United States without the need for current or future visa sponsorship.
• Sr. Underwriter – Personal Lines

Salary Range

$55,012.00 - $91,687.00

The salary range listed here has been provided to comply with local regulations and represents a potential base salary range for this role. Please note that actual salaries may vary within the range above or below, depending on experience and location. We look at compensation for each individual and base our offer on your unique qualifications, experience, and expected contributions. This position may also be eligible for other types of compensation in addition to base salary, such as benefits and bonus programs.