Personal Line Underwriter (Homeowners & Dwelling Fire) - HYBRID

DB Insurance Co., Ltd. • Village of Great Neck Plaza, NY

23d • $65,000 - $95,000 • Hybrid

About The Position

DB Insurance is seeking a Personal Lines Underwriter to join our team! As a Personal Lines Underwriter specializing in Homeowners & Dwelling Fire, you will assess risks for individual clients by analyzing client information, applying underwriting guidelines, and collaborating with agents and brokers to deliver competitive and profitable insurance solutions. Your expertise will play a crucial role in maintaining a well-balanced portfolio that aligns with the company’s risk management objectives.

Requirements

• Bachelor’s degree in Business, Finance, Insurance, or a related field, or equivalent work experience (open to entry-level candidates and experienced professionals)
• 0 to 3+ years of experience in personal lines underwriting, with position level based on experience
• 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

Nice To Haves

• Familiarity or experience with underwriting software and rating tools is preferred
• Professional designations such as CPCU (Chartered Property Casualty Underwriter) or AU (Associate in Underwriting) are a plus

Responsibilities

• Assess property characteristics, claims history, and other relevant data to determine insurability and risk level.
• 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.

Benefits

• Medical (PPO), dental (PPO), vision (PPO), and life insurance covered 100% by the company and 50% for dependents
• Monthly manager stipend
• Paid time off and sick leave
• 13 annual paid holidays
• 401(k) plan with up to 4% company match
• Flexible Spending Account (FSA) & Dependent Care FSA
• Job-related training reimbursement
• Casual dress code

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level