Personal Lines Underwriter
3.
4 Full-time 8 hours ago Full Job Description We have two openings for a personal lines underwriter that will report to the Vice President and Business Director on the Personal Lines team.
The role can work hybrid or remote in the listed states.
The underwriter will be assigned to service agencies in one of or more of the five states below:
Ohio West Virginia Pennsylvania Kentucky Indiana JOB OBJECTIVE:
The Personal Lines Underwriter is responsible for managing an assigned territory by growing a profitable book of business.
This position builds strong relationships with our agency partners and provides them with timely service and expertise on risk selection and book management.
This role is responsible for ensuring Encova's risk appetite, underwriting guidelines and philosophies are maintained while minimizing loss potential for the company through proper risk selection while retaining a quality book of business.
Essential Functions:
Make decisions on new business acceptability when outside of underwriting guidelines, but within your letter of authority, and clearly document your rationale and thought process Utilize available policy endorsements, coverage exclusions, and deductibles at their discretion to select and manage exposures and pricing of risks Evaluate exposures and use discretionary judgement to determine continued risk acceptability and solution for risk management concerns identified to ensure long-term profitability Work with agency partners on a portfolio basis and look for opportunities to improve book performance and prevent premium leakage Monitor and analyze agency performance using agency profiles and Tableau reports to drive production to meet established new business, retention, and profitability goals Plan and conduct regular agency visits in assigned territory to develop and promote profitable personal lines growth opportunities, build relationships, and solve problems Work with Personal Lines Territory Managers and Agency Managers to develop specific strategies at an agency level to achieve targeted growth and profit goals Improve automated risk selection by identifying gaps and recommending refinements to our automated underwriting rules Provide input to drive and implement strategic underwriting initiatives Assist with the development and presentation of onboarding and continued training programs for agencies Ability to travel and meet with customers in your assigned territory Assist agents with loss control and risk retention processes Train new personal lines underwriters in all phases of underwriting and agency development Develop and execute annual agency level plans for improved engagement and profitability Advise agents on available policy forms, conditions and exclusions to help them meet the exposure needs of their policyholders Serve on special projects and committees as requested OTHER FUNCTIONS:
Monitor assigned agents and develop strategies to address issues including corrective actions for growth and profit targets not met Develop a thorough knowledge of agency operations at an individual agency level within assigned territory Maintain a working knowledge of personal lines insurance statutes in assigned territory Interact collaboratively with business partners including customer service, claims, sales, compliance and actuarial Develop additional subject matter expertise in underwriting to improve our capabilities as an underwriting organization KNOWLEDGE, SKILLS AND
Experience:
Previous insurance experience with proven successful performance as a personal lines underwriter, or comparable job is required Customer service experience is strongly preferred A bachelor's degree in risk management or business, or equivalent experience is required Actively pursuing and/or completion of insurance focused studies and designations through the Institute of America (IIA) and/or National Alliance The ability to analyze risk and interpret available data and make effective decisions to support profitability is required Excellent communication skills, time management skills, negotiation tactics, and presentation skills are required Consistently demonstrate high proficiency and quality through audit results, good judgement and sound decision-making The ability to build and maintain positive and productive relationships with agents and coworkers is required This position has been evaluated in accordance with the Americans with Disabilities Act.
Encova Insurance makes every effort to reasonably accommodate disabilities to permit performance of the essential functions and candidates who need such accommodation are encouraged to seek it.
This description reflects the nature and level of work performed by associates in this position.
It is not an all-inclusive inventory of duties, responsibilities and qualifications required.
It provides an accurate overview of the work and skills needed to perform this position.
Because job content may change from time to time, Encova Insurance reserves the right to add and/or delete functions from this job as it deems necessary for business reasons.
Ready to join our team? At Encova Insurance, we firmly believe that our associates drive our company's success by delivering unrivaled service to our customers.
With success in mind, we make an ongoing effort to provide an environment that offers challenging, stimulating and financially rewarding opportunities.
Join us to discover a work experience where your diverse ideas will be met with enthusiasm - where you can learn and grow to your fullest potential.
What you can expect from us Join our family of industry leaders, and let us reward you with a competitive salary, bonus and benefits package that includes but is not limited to:
a 401(k), wellness programs, bonus incentive plans and flexible schedules, with an early close of the office every Friday.
Additionally, Encova aspires to be an outstanding corporate citizen in all the markets we serve; we encourage and support associate participation in community initiatives through our foundations.
Encova Insurance is an EOE/E-Verify employer.
.
Estimated Salary: $20 to $28 per hour based on qualifications.
4 Full-time 8 hours ago Full Job Description We have two openings for a personal lines underwriter that will report to the Vice President and Business Director on the Personal Lines team.
The role can work hybrid or remote in the listed states.
The underwriter will be assigned to service agencies in one of or more of the five states below:
Ohio West Virginia Pennsylvania Kentucky Indiana JOB OBJECTIVE:
The Personal Lines Underwriter is responsible for managing an assigned territory by growing a profitable book of business.
This position builds strong relationships with our agency partners and provides them with timely service and expertise on risk selection and book management.
This role is responsible for ensuring Encova's risk appetite, underwriting guidelines and philosophies are maintained while minimizing loss potential for the company through proper risk selection while retaining a quality book of business.
Essential Functions:
Make decisions on new business acceptability when outside of underwriting guidelines, but within your letter of authority, and clearly document your rationale and thought process Utilize available policy endorsements, coverage exclusions, and deductibles at their discretion to select and manage exposures and pricing of risks Evaluate exposures and use discretionary judgement to determine continued risk acceptability and solution for risk management concerns identified to ensure long-term profitability Work with agency partners on a portfolio basis and look for opportunities to improve book performance and prevent premium leakage Monitor and analyze agency performance using agency profiles and Tableau reports to drive production to meet established new business, retention, and profitability goals Plan and conduct regular agency visits in assigned territory to develop and promote profitable personal lines growth opportunities, build relationships, and solve problems Work with Personal Lines Territory Managers and Agency Managers to develop specific strategies at an agency level to achieve targeted growth and profit goals Improve automated risk selection by identifying gaps and recommending refinements to our automated underwriting rules Provide input to drive and implement strategic underwriting initiatives Assist with the development and presentation of onboarding and continued training programs for agencies Ability to travel and meet with customers in your assigned territory Assist agents with loss control and risk retention processes Train new personal lines underwriters in all phases of underwriting and agency development Develop and execute annual agency level plans for improved engagement and profitability Advise agents on available policy forms, conditions and exclusions to help them meet the exposure needs of their policyholders Serve on special projects and committees as requested OTHER FUNCTIONS:
Monitor assigned agents and develop strategies to address issues including corrective actions for growth and profit targets not met Develop a thorough knowledge of agency operations at an individual agency level within assigned territory Maintain a working knowledge of personal lines insurance statutes in assigned territory Interact collaboratively with business partners including customer service, claims, sales, compliance and actuarial Develop additional subject matter expertise in underwriting to improve our capabilities as an underwriting organization KNOWLEDGE, SKILLS AND
Experience:
Previous insurance experience with proven successful performance as a personal lines underwriter, or comparable job is required Customer service experience is strongly preferred A bachelor's degree in risk management or business, or equivalent experience is required Actively pursuing and/or completion of insurance focused studies and designations through the Institute of America (IIA) and/or National Alliance The ability to analyze risk and interpret available data and make effective decisions to support profitability is required Excellent communication skills, time management skills, negotiation tactics, and presentation skills are required Consistently demonstrate high proficiency and quality through audit results, good judgement and sound decision-making The ability to build and maintain positive and productive relationships with agents and coworkers is required This position has been evaluated in accordance with the Americans with Disabilities Act.
Encova Insurance makes every effort to reasonably accommodate disabilities to permit performance of the essential functions and candidates who need such accommodation are encouraged to seek it.
This description reflects the nature and level of work performed by associates in this position.
It is not an all-inclusive inventory of duties, responsibilities and qualifications required.
It provides an accurate overview of the work and skills needed to perform this position.
Because job content may change from time to time, Encova Insurance reserves the right to add and/or delete functions from this job as it deems necessary for business reasons.
Ready to join our team? At Encova Insurance, we firmly believe that our associates drive our company's success by delivering unrivaled service to our customers.
With success in mind, we make an ongoing effort to provide an environment that offers challenging, stimulating and financially rewarding opportunities.
Join us to discover a work experience where your diverse ideas will be met with enthusiasm - where you can learn and grow to your fullest potential.
What you can expect from us Join our family of industry leaders, and let us reward you with a competitive salary, bonus and benefits package that includes but is not limited to:
a 401(k), wellness programs, bonus incentive plans and flexible schedules, with an early close of the office every Friday.
Additionally, Encova aspires to be an outstanding corporate citizen in all the markets we serve; we encourage and support associate participation in community initiatives through our foundations.
Encova Insurance is an EOE/E-Verify employer.
.
Estimated Salary: $20 to $28 per hour based on qualifications.
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