Personal Lines Underwriting Specialist

Brightway Insurance•Jacksonville, FL

23h

About The Position

About Brightway Established in 2008, Brightway is proud to be one of the fastest-growing insurance agency systems in the United States. With over 350 franchises spanning 35+ states and an impressive $1.3 billion in annual premiums, we rank among the nation�s largest privately owned property and casualty insurance distribution companies. We support our agency owners with comprehensive back-office services, marketing resources, and continuous learning and development. We are embarking on the next stage of our customer-centric growth, driven by innovation from our talented associates and the application of cutting-edge technologies. This growth has opened doors for creative thinkers who thrive in a diverse and collaborative culture. As a Brightway team member, you'll engage in exciting projects that are reshaping the industry, working alongside a dedicated team committed to delivering exceptional customer service and safeguarding our clients' most valuable assets. Position Overview We are seeking a highly analytical and technically skilled insurance professional to build, maintain, and optimize an AI-driven carrier appetite database for a national insurance franchise network. This platform will serve both internal support teams and agency partners by helping improve carrier placement strategy, underwriting alignment, quoting efficiency, and overall production performance across the network. The ideal candidate has deep familiarity with Personal Lines underwriting, carrier appetite and product guidelines, insurance filings, and comparative rating workflows. The right person is equally comfortable interpreting underwriting guides and collaborating with technical and product stakeholders to improve how agents access and utilize carrier intelligence.

Requirements

3+ years of Personal Lines underwriting or carrier placement experience
Strong understanding of: Carrier appetite, Insurance product structures, Underwriting guidelines, State filings and compliance considerations
Experience working with underwriting manuals, product guides, and carrier documentation
Strong technical aptitude and comfort learning new systems and platforms
Excellent written and verbal communication skills
Ability to work cross-functionally with business and technical teams

Nice To Haves

Personal interest in AI and emerging technology
Prior experience collaborating with product or technology teams on operational or platform initiatives
Experience with comparative raters, agency management systems, or carrier portals

Responsibilities

Build and maintain a centralized AI-driven carrier appetite database across Personal Lines products
Review and interpret: Carrier appetite guides, Product guides, Underwriting manuals, State filings and eligibility requirements, Coverage restrictions and underwriting exceptions
Translate underwriting rules and appetite nuances into structured, searchable data
Continuously monitor carrier updates, product changes, and filing revisions to ensure database accuracy
Identify gaps, inconsistencies, or opportunities within carrier appetite data and workflows
Partner with internal product, operations, and technology teams to improve AI-powered carrier matching and search capabilities
Support testing, validation, and refinement of AI-generated appetite recommendations
Help create scalable processes for maintaining and expanding the database over time
Contribute to future technology initiatives related to quoting optimization, placement strategy, and operational efficiency
Develop tools, documentation, and workflows that help agents quickly identify appropriate carrier options
Serve as a subject matter expert on carrier appetite and underwriting interpretation
Collaborate with agency operations, sales leadership, and support teams to improve placement outcomes
Provide feedback and insights based on agent usage trends and underwriting friction points