Personal Lines Underwriting Specialist

Farmers Insurance Careers

1d•$76,275 - $144,875•Hybrid

About The Position

We are Farmers – where ambition meets opportunity. At Farmers, we’re not just known for unforgettable jingle – we’re a team with a passion for purpose and making a real difference in people’s lives. We deliver peace of mind when it matters most. Our results-driven, high-performance culture thrives on creativity, accountability and bold solutions. Here, growth isn’t just a goal – it’s a way of life for both the organization and every individual on our team. We tackle challenges head-on, learn from every experience and measure our impact on the customers who trust us. Join an award-winning, equal opportunity employer, where you’ll find more than a job – you’ll find a supportive community. Enjoy competitive benefits, take part in meaningful volunteer projects, and help shape the future alongside talented colleagues across all backgrounds. At Farmers, helping others is at the heart of what we do. Ready to make your mark? Discover our vibrant culture and explore career opportunities at www.Farmers.com/careers/corporate. Connect with us on Instagram, LinkedIn and TikTok, and let’s build something incredible together!

Requirements

Brings a strong Personal Lines insurance foundation across Auto, Home, and Umbrella, with the ability to apply underwriting judgment to evolving business needs.
Reviews existing underwriting processes, guidelines, and workflows to identify gaps, challenge assumptions, and recommend practical improvements.
Thinks strategically about current and future underwriting direction, helping shape solutions beyond day-to-day execution.
Collaborates across underwriting, product, operations, technology, and compliance to support aligned and scalable underwriting practices.
Connects insights across lines of business to promote consistency, operational effectiveness, and broader enterprise impact.
High School Diploma or equivalent required.
Demonstrated analytical skills.
Ability to analyze datasets and develop meaningful insights.
Proficient in English written and verbal communication skills.
Demonstrated time management and priority setting skills.
Excellent collaboration and team building skills.
Possesses strong technical aptitude.
Excellent organizational skills.

Nice To Haves

Bachelors degree preferred.
IIA Certificate in General insurance and actively pursuing CPCU or other FIG approved educational programs preferred.
Experience in Personal Lines underwriting, underwriting operations, product, or underwriting strategy preferred.
Proven experience implementing strategic initiatives across Auto, Home, and/or Umbrella to improve risk selection, consistency, and business outcomes preferred.
Working knowledge of Auto, Home, and Umbrella products, guidelines, eligibility, and risk selection practices preferred.
Demonstrated ability to evaluate processes, identify improvement opportunities, and support change initiatives preferred.
Strong business judgment with the ability to balance risk management, customer experience, profitability, and operational efficiency preferred.
Effective communication and collaboration skills, including the ability to influence partners and present recommendations clearly preferred.

Responsibilities

Supports personal lines underwriting policies, procedures, practices, rules and other criteria to accomplish Underwriting objectives; recommends and implements programs designed to provide continuous analysis of personal lines underwriting.
Initiates, researches, recommends, implements and evaluates projects to support auto, fire and Umbrella underwriting guidelines and initiatives.
Conducts analysis monitoring of results and trends of existing programs.
Evaluates, recommends and implements outside investigation tools to validate information while increasing the return on the tools used.
Initiates, researches, recommends, implements and evaluates standalone auto, fire and Umbrella expert systems changes to support underwriting guidelines.
Recommends and implements system changes to improve agent and service center efficiency.
Acts as a liaison with other business units/partners to facilitate communication and ensure that any new projects are in alignment with operational objectives and direction.
Represents Underwriting on cross-functional projects.
Prepares detailed requirements for systems implementation projects.
Stays abreast of industry developments.
Promotes safety at all times and complies with safety/ergonomic standards as outlined in relevant company published manuals.
Performs other duties as assigned.