Underwriter - Personal Lines

Tower Hill Insurance Group has an exciting opportunity for a talented Underwriter - Personal Lines who enjoys intellectual challenges and is seeking a rewarding career with a company that is experiencing growth. Not only is Tower Hill Insurance one of Florida's most trusted names in homeowners insurance, but it offers great opportunities for career advancement and personal growth, along with very competitive benefits and rewards. We are growing at a consistent pace and seek professional individuals with drive, team mentality, who want to make an impact, and are committed to a long-term career in the insurance industry.

The Personal Lines Underwriter supports the evaluation of new and renewal insurance applications in accordance with company guidelines. This role involves reviewing risk information, assisting in policy decisions, and collaborating with agents and internal teams to obtain necessary documentation under close supervision. This position provides an opportunity to develop foundational underwriting skills, exercise sound judgment, and contribute to the effective management of the Personal Lines portfolio.

ESSENTIAL DUTIES AND RESPONSIBILITIES

• Review insurance applications and endorsements to evaluate submissions information required to accept or reject new policies based on underwriting guidelines.
• Assess risk quality for in-force book of business through renewal review process to ensure compliance within company guidelines and initiate appropriate loss prevention actions.
• Provide new policy and renewal decision recommendations for peer review and approval.
• Research and resolve requests for missing information from agency partners.
• Must be highly customer service oriented and able to communicate effectively in a fast-paced team environment. Utilize strong written and verbal communication skills to develop and leverage customer relationships.
• Communicate daily with agents via telephone, internal diary, and email to obtain information, respond to inquiries, and assist in risk placement and rating.
• Communicate with field representatives and other 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.
• May travel periodically to assigned field.

ADDITIONAL DUTIES

This job description reflects the general duties considered necessary to describe the essential functions of the job and should not be considered a complete description of all the work requirements and expectations of the position. Tower Hill reserves the right to assign duties not listed herein as necessary to accomplish the goals of the organization.

Requirements:

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

EDUCATION

Bachelor's Degree required.

Equivalent experience may substitute for minimum educational requirements. Equivalent experience may include two (2) years of relevant experience.

EXPERIENCE

Minimum of one (1) year of relevant work experience preferred.

CERTIFICATIONS

Property and casualty insurance industry designations preferred (i.e. Associate in Claims (AIC), Chartered Property Casualty Underwriter (CPCU), etc.)

LICENSES

Active Insurance License strongly preferred.

BENEFITS

• Medical
• Dental
• Vision
• Life & Disability Insurance
• 401(k)
• Health Savings