Underwriter - Personal Lines

PEAK6 InsurTech; United States; Remote; USD 60,000 - 80,000; Full time

Job summary

Join FOCUS, a leader in cloud-based administration solutions for insurance companies. As an Underwriter, you will review applications, assess risk, and develop strong agent relationships while enjoying growth opportunities within a supportive team. Excellent benefits, including a 401K match and generous paid time off, make FOCUS a great place to advance your career.

Benefits

401K Match

Work-Life Balance: Personal Days and Paid Holidays

Short and Long-Term Disability

Tuition Reimbursement

Employee Support Programs

Qualifications

• 3 to 5 years of underwriting experience in Personal Lines.
• General knowledge of insurance statutes and regulations required.
• Possessing an active 2-20 or 4-40 license is preferred.

Responsibilities

• Review applications and determine policy eligibility.
• Analyze underwriting issues related to new business.
• Communicate underwriting decisions to agents.

Skills

Analytical skills

Communication

Customer service

Education

Bachelor’s degree

Job description

FOCUS provides cloud-based, core administration solutions (FOCUS Tech) and services (FOCUS Insurance Services) for P&C insurance companies and MGAs. Using decades of industry experience, FOCUS is taking the risk out of insurtech for small, mid-size, and growth-focused insurance organizations.

When you join FOCUS, you immediately become one of our most valued components – and we’re committed to investing in you. That means you can look beyond the paycheck and excellent benefits to an environment that will help you grow and achieve your professional goals through development and advancement opportunities and the support of our outstanding leaders and teammates.

Job Summary: Reviews and analyzes applications, inspections, and endorsements to determine policy eligibility through adherence to underwriting rules and guidelines. Accepts or rejects applications and makes risk selection on behalf of the carrier client within underwriting rules and guidelines. Develops and maintains strong agent relationships and acts as subject matter expert by providing guidance on policy form and coverage to external agent(s) and internal team members by performing the following duties.

Duties/Responsibilities:

· Reviews applications for all personal lines coverage to determine if application is acceptable for the program(s) available. Assists agents with contents of applications and the likelihood of acceptance by the company and underwrites applications from appointed agents

· Analyzes and researches underwriting issues as they relate to new business eligibility, inspections, complex premium bearing endorsements, and cancellations with accuracy and efficiency.

· Reviews requests for cancellation, reinstatements and endorsements within established departmental service compliance standards as needed to support overall department and client needs.

· Communicates with producers/agents, carrier clients and leadership regarding underwriting decisions with the ability to effectively articulate decision and opinion withing underwriting rules and guidelines.

· Prioritizes and manages workflow to ensure efficient, timely, and accurate process of transactions while adhering to the standard operating procedures.

· Handles incoming calls and/or chats from producers and insureds in order to provide support as needed. Ensures customer service standards are met, bringing calls to a satisfactory resolution.

· Utilizes knowledge of automated systems to provide recommendations on improvements and enhancement that align with department and client goals.

· Maintains and develops strong agent relationships.

· Provides training on underwriting guidelines, contract and policy forms to agents and team members

· Communicates effectively with individuals/teams and reports any problems to supervisor.

· Identifies process changes to improve quality or efficiencies.

Preferred Skills/Abilities:

· An active 2-20 or 4-40 license or industry designation such as CPCU or CIC is preferred

Education and/or Experience:

· Bachelor’s degree from a four year college or university preferred.

· Three (3) to five (5) years of underwriting experience in Personal Lines including homeowners and other lines; or equivalent combination of education and experience required.

· Must have general knowledge of insurance statutes, regulations and policies.

Work Environment: The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

The noise level in the work environment is usually moderate.

Physical Requirements: While performing the duties of this job, the employee is frequently required to stand; walk; talk and hear; sit for extended periods of time; use hands to finger, handle, or feel and reach with hands and arms. The employee is occasionally required to climb or balance; stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to 15 pounds.

Specific vision abilities required by the job include close vision, distance vision, color vision, peripheral vision, depth perception, and the ability to adjust focus.

Why join the FOCUS Team?

The FOCUS Difference:

401K Match

Work-Life Balance: Personal Days, PTO Days, 12 Paid Holidays, Two Paid Days for Volunteer Service, Paid Parental Leave

Short and Long-Term Disability

Employee Support Programs, Including Mental Health

Tuition Reimbursement

Matching Charitable Gift Program

Lucrative Referral Program

Flexibility: Remote and Hybrid Opportunities Available

This position is not able to be performed in California, Colorado, New York or Washington.

EEO

Team Focus Insurance Group is an equal opportunity employer that does not discriminate on the basis of race, color, religion, sex (including pregnancy, sexual orientation, and gender identity), national origin, age, disability, veteran status, marital status, or any other protected characteristic. Our hiring practices ensure that all qualified applicants receive fair consideration without regard to these characteristics.

Disability

Team Focus Insurance Group is committed to creating an inclusive and accessible workplace for all candidates, including those with disabilities. We are dedicated to ensuring equal employment opportunities and providing reasonable accommodations to qualified individuals with disabilities. If you require reasonable accommodations to participate in the application or interview process, please contact our HR department at [e-mail]. We will work with you to provide the necessary accommodations to ensure your full participation in our hiring process.

Note to applicant: It is unlawful in Massachusetts and Maryland to require or administer a lie detector test as a condition of employment or continued employment. Please know that our company does not use lie detector tests in our hiring process.

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