Personal Line Underwriter (Homeowners & Dwelling Fire) - HYBRID
$65,000–$95,000 year
HybridGreat Neck, New York, United States
Job Summary
Assess property characteristics, claims history, and relevant data to determine insurability and risk level for homeowners and dwelling fire policies. Conduct risk analysis and assessments in accordance with company underwriting guidelines and state regulations. Make informed decisions on accepting, rejecting, or modifying insurance applications based on underwriting policies. Collaborate with agents, brokers, and customer service teams to communicate underwriting decisions and address inquiries. Ensure compliance with regulatory requirements and company standards in all underwriting practices. Review the assigned book of business regularly to maintain portfolio balance and identify growth opportunities. Stay informed on market trends, emerging risks, and regulatory changes to adjust underwriting strategies as needed. Participate in training programs to stay current on underwriting best practices, product updates, and industry developments.
Required Qualifications
- Bachelor's degree in Business, Finance, Insurance, or a related field, or equivalent work experience
- 0 to 3+ years of experience in personal lines underwriting
- Understanding of underwriting principles, policy guidelines, and state-specific insurance regulations, particularly for Homeowners and Dwelling Fire
- Strong analytical and decision-making skills with high attention to detail and accuracy in risk assessment
- Excellent communication skills with a customer-service mindset to build strong relationships with agents, brokers, and internal teams
- Proficiency in Microsoft Office Suite or Google Workspace applications
- Effective time management skills with the ability to handle multiple tasks and meet deadlines
- Ability to adapt to changing underwriting guidelines and evolving market conditions
Desired Qualifications
- Familiarity or experience with underwriting software and rating tools
- Professional designations such as CPCU (Chartered Property Casualty Underwriter) or AU (Associate in Underwriting)
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