Underwriter Personal Lines - III

Team Focus Insurance Group•Florida Remote, FL

5d•Remote

About The Position

The Personal Lines Underwriter III serves as the subject matter expert and primary resource for underwriting-related questions and escalations. The role handles all personal lines underwriting functions, exercises the highest level of underwriting authority, and supports team members, leadership, agents, and internal partners. Responsibilities include managing inbound calls, chats, and task assignments; assisting with complex policy questions, bind requests, endorsements, and risk evaluations; mentoring junior and mid-level underwriters; supporting leadership on high-value or complex risks; and contributing to process improvements and departmental excellence. The position combines advanced underwriting expertise with direct communication and workflow support to promote accuracy, compliance, and quality service. The role is fully remote and requires a dedicated, distraction-free workspace and reliable internet meeting minimum speed requirements. A company-provided computer, headset, and other necessary equipment must be used. The schedule may include standard business hours, with flexibility potentially required to accommodate peak call and chat volumes. The employee must efficiently manage calls, chats, and task systems from home; comply with data security and confidentiality standards; participate occasionally in virtual meetings, training, and performance reviews; and work independently while maintaining productivity. The position is not available to be performed in California, Colorado, New York, or Washington.

Requirements

Seven or more years of personal lines underwriting experience, including homeowners and other lines, or an equivalent combination of education and experience.
In-depth knowledge of insurance statutes, regulations, and policies.
Advanced knowledge of Property/Casualty insurance underwriting principles and personal lines policies.
Strong analytical, decision-making, and problem-solving skills for complex or high-value risks.
Excellent verbal and written communication skills.
Ability to mentor, coach, and guide junior underwriters effectively.
Exceptional organizational and time management skills, with the ability to manage multiple complex tasks.
Strong customer service and conflict-resolution skills, including professionally handling escalated agent or client inquiries.
Self-motivated and disciplined, with the ability to maintain productivity without direct supervision.
Basic proficiency in Microsoft Office Suite, including Word, Excel, Outlook, and Teams.
Ability to maintain a dedicated, distraction-free home workspace and provide reliable internet meeting minimum speed requirements.
Ability to manage multiple communication channels efficiently from home and adhere to data security and confidentiality standards.
Bachelor’s degree in Business, Finance, Risk Management, Insurance, or a related field preferred.

Nice To Haves

Bachelor’s degree in Business, Finance, Risk Management, Insurance, or a related field.
Active 2-20 or 4-40 license, or an industry designation such as CPCU or CIC.

Responsibilities

Independently review, analyze, and underwrite complex personal lines applications, inspections, and endorsements.
Make high-level risk selection, pricing, and coverage decisions for complex, high-value, or unusual policies.
Evaluate borderline or high-risk exposures and provide recommendations to leadership when appropriate.
Ensure compliance with company, carrier, and regulatory underwriting standards.
Serve as the department subject matter expert for personal lines policies and underwriting practices.
Respond to agent and client inquiries via phone, chat, and task systems about policy forms, coverage, bind requests, endorsements, cancellations, and other transactions.
Handle escalated or complex inquiries professionally and efficiently, and guide agents on policy submissions.
Identify opportunities to improve underwriting processes, systems, and workflows.
Participate in audits, compliance reviews, and quality improvement initiatives.
Ensure departmental adherence to internal policies, carrier guidelines, and regulatory requirements.
Mentor and coach junior and mid-level underwriters, promoting knowledge transfer and best practices.
Stay current with industry trends, regulatory changes, and advanced underwriting practices.
Contribute to departmental training, policy updates, and cross-functional projects.
Model underwriting excellence, collaboration, and customer service.
Maintain proficiency in personal lines underwriting functions and expand knowledge of advanced underwriting practices.
Manage calls, chats, and task systems efficiently while protecting sensitive client and policy information.
Participate occasionally in virtual team meetings, training sessions, and performance reviews.