Personal Lines Underwriter

Tower Hill Insurance Group LLC•Alachua, FL

About The Position

Tower Hill Insurance Group is seeking a Personal Lines Underwriter to support the evaluation of new and renewal insurance applications in accordance with company guidelines. The role reviews risk information, assists with policy decisions, and works with agents and internal teams to obtain necessary documentation under close supervision. It offers an opportunity to develop foundational underwriting skills, exercise sound judgment, and contribute to effective management of the Personal Lines portfolio. The position requires strong customer service, written and verbal communication, and collaboration skills. The underwriter communicates with agency partners, field representatives, inspection companies, and internal teams to gather information, answer questions, explain underwriting policies, and help place and rate risks. The role may also represent the organization at agent meetings, company events, and other business functions as needed.

Requirements

Bachelor’s degree required; equivalent experience may substitute for the minimum educational requirement, including two years of relevant experience.
Minimum of one year of relevant work experience preferred.
Strong customer service orientation and ability to communicate effectively in a fast-paced team environment.
Strong written and verbal communication skills.

Nice To Haves

Property and casualty insurance industry designation, such as Associate in Claims (AIC) or Chartered Property Casualty Underwriter (CPCU).
Active insurance license.

Responsibilities

Review insurance applications and endorsements to evaluate submission information required to accept or reject new policies under underwriting guidelines.
Assess the risk quality of the in-force book of business through renewal reviews, ensure compliance with company guidelines, and initiate appropriate loss prevention actions.
Research and resolve requests for missing information from agency partners.
Communicate daily with agents by telephone, internal diary, and email to obtain information, respond to inquiries, and assist with risk placement and rating.
Communicate with field representatives and insurance or inspection companies to obtain information, answer inquiries, and explain company underwriting policies.
Develop and maintain effective business relationships with internal customers, including Actuary, Marketing, IT, and Claims, to attract and retain profitable business.
Interpret and explain products and services to internal and external customers.
Represent the organization at agent meetings, company events, and other business functions as needed.