Underwriter Personal Lines - III

PEAK6•Florida Remote, FL

5d•Remote

About The Position

The Personal Lines Underwriter III serves as the department’s subject matter expert and primary resource for underwriting inquiries and escalations. The role handles complex personal lines applications, inspections, endorsements, high-value and unusual risks, and agent or client questions. It exercises the highest level of underwriting authority while supporting agents, internal partners, and colleagues through calls, chats, and task assignments. The position also mentors junior and mid-level underwriters, supports leadership on complex risks, and contributes to process improvement, compliance, training, and cross-functional work. The role is fully remote and requires a dedicated, distraction-free workspace, reliable internet, appropriate equipment, and careful handling of sensitive information. Work may include standard business hours, with flexibility needed to address peak call and chat volumes.

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 (Word, Excel, Outlook, Teams).
Ability to maintain a dedicated, distraction-free remote workspace and reliable internet connection meeting minimum speed requirements.
Ability to manage calls, chats, and task systems efficiently from home and adhere to data security and confidentiality standards.
Bachelor’s degree in Business, Finance, Risk Management, Insurance, or a related field is preferred.

Nice To Haves

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

Responsibilities

Independently review, analyze, and underwrite complex personal lines applications, inspections, and endorsements.
Make high-level risk selection, pricing, and coverage decisions on 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.
Respond to agent and client inquiries by phone, chat, and task systems regarding policy forms, coverage, bind requests, endorsements, cancellations, and other transactions.
Handle escalated or complex inquiries professionally and efficiently, and provide guidance on policy submissions.
Identify opportunities to improve underwriting processes, systems, and workflows.
Participate in audits, compliance reviews, and quality improvement initiatives.
Mentor and coach junior and mid-level underwriters and contribute to departmental training, policy updates, and cross-functional projects.
Stay current with industry trends, regulatory changes, and advanced underwriting practices.
Serve as a role model for underwriting excellence, collaboration, and customer service.