Underwriter - Personal Lines
Capital Insurance Group, Reno, NV, United States
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!
Benefits
Accrue twenty-one days of Paid Time Off during your first year
Up to eighty-seven percent of benefits covered by CIG for you and your family members
Medical, dental, vision plans
One hundred percent covered plans
Basic Life & AD&D
Employee Assistance
Leave Management
Long Term Disability
Short Term Disability (Outside of CA)
Family Caregiver Support (Homethrive)
Child Care Resources (Tootris)
Business Travel Accident Protection
Voluntary benefit offerings
Short-term (CA only)
Voluntary Life AD&D self, spouse and child plans
Flexible Spending
Health Savings (HSA)
Hospital Indemnity
Accidental Injury
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
You have a voice! You are encouraged to share your voice through multiple channels, get involved with our Employee Experience and DEI committees to drive and continue the health and wellbeing of our organization for everyone.
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
Health Savings Account – match
Financial Wellness Resources
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 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). 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.
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.
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Benefits
Accrue twenty-one days of Paid Time Off during your first year
Up to eighty-seven percent of benefits covered by CIG for you and your family members
Medical, dental, vision plans
One hundred percent covered plans
Basic Life & AD&D
Employee Assistance
Leave Management
Long Term Disability
Short Term Disability (Outside of CA)
Family Caregiver Support (Homethrive)
Child Care Resources (Tootris)
Business Travel Accident Protection
Voluntary benefit offerings
Short-term (CA only)
Voluntary Life AD&D self, spouse and child plans
Flexible Spending
Health Savings (HSA)
Hospital Indemnity
Accidental Injury
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
You have a voice! You are encouraged to share your voice through multiple channels, get involved with our Employee Experience and DEI committees to drive and continue the health and wellbeing of our organization for everyone.
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
Health Savings Account – match
Financial Wellness Resources
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 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). 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.
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.
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