Personal Lines Underwriter

The salary range for this job posting is $49,225.00 - $98,788.00 annually + bonus + benefits. Pay Type: Salary The above represents the full salary range for this job requisition. Ultimately, in determining your pay and job title, we'll consider your location, education, experience, and other job-related factors, and will fall within the stated range. Your recruiter can share more information about the specific salary range during the hiring process. Ideal candidates will reside within driving distance of our Columbus, Ohio office and work a hybrid schedule. We may hire at different levels for this Personal Lines underwriting role depending on the candidate's background and experience. The listed salary range is inclusive of all levels. This role reports to a Regional Vice President, Personal Lines. Are you a Referral? If you know a current Encova Insurance associate and would like to apply as a referral, please encourage them to submit your referral information before you submit your application. You will receive an email with a direct URL link to the Job Posting of interest. Applying through this URL link will create your referral relationship for our Talent Acquisition Team. Unique residence requirements are listed in each job posting, please review closely for details. Encova is only able to employ associates who reside and work within specific U.S. states. Our current policies are based on the laws in states in which we are registered for payroll. Our current footprint includes: Connecticut, Delaware, Florida, Georgia, Illinois, Indiana, Iowa, Kansas, Kentucky, Maryland, Massachusetts, Michigan, Minnesota, Missouri, Nebraska, New Hampshire, New Jersey, North Carolina, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, West Virginia, Wisconsin. JOB OBJECTIVE: The Personal Lines Underwriter is responsible for managing an assigned territory by growing a profitable book of business. This position builds strong relationships with our agency partners and provides them with timely service and expertise on risk selection and book management. This role is responsible for ensuring Encova’s risk appetite, underwriting guidelines and philosophies are maintained while minimizing loss potential for the company through proper risk selection while retaining a quality book of business. ESSENTIAL FUNCTIONS: Make decisions on new business acceptability when outside of underwriting guidelines, but within your letter of authority, and clearly document your rationale and thought process Utilize available policy endorsements, coverage exclusions, and deductibles at their discretion to select and manage exposures and pricing of risks Evaluate exposures and use discretionary judgement to determine continued risk acceptability and solution for risk management concerns identified to ensure long-term profitability Work with agency partners on a portfolio basis and look for opportunities to improve book performance and prevent premium leakage Monitor and analyze agency performance using agency profiles and Tableau reports to drive production to meet established new business, retention, and profitability goals Plan and conduct regular agency visits in assigned territory to develop and promote profitable personal lines growth opportunities, build relationships, and solve problems Work with Personal Lines Territory Managers and Agency Managers to develop specific strategies at an agency level to achieve targeted growth and profit goals Improve automated risk selection by identifying gaps and recommending refinements to our automated underwriting rules Provide input to drive and implement strategic underwriting initiatives Assist with the development and presentation of onboarding and continued training programs for agencies Ability to travel and meet with customers in your assigned territory OTHER FUNCTIONS: Monitor assigned agents and develop strategies to address issues including corrective actions for growth and profit targets not met Develop a thorough knowledge of agency operations at an individual agency level within assigned territory Maintain a working knowledge of personal lines insurance statutes in assigned territory Interact collaboratively with business partners including customer service, claims, sales, compliance and actuarial Develop additional subject matter expertise in underwriting to improve our capabilities as an underwriting organization KNOWLEDGE, SKILLS AND EXPERIENCE: Previous insurance experience is preferred Customer service experience is strongly preferred A bachelor’s degree in risk management or business is strongly preferred Strongly encouraged to pursue continuing education in one or more of the following areas: College degree and/or INS, API, CPRM, CPCU or AU courses/certifications The ability to analyze risk and interpret available data and make effective decisions to support profitability is required Strong communication skills, time management skills, negotiation tactics, and presentation skills are required This position has been evaluated in accordance with the Americans with Disabilities Act. Encova Insurance makes every effort to reasonably accommodate disabilities to permit performance of the essential functions and candidates who need such accommodation are encouraged to seek it. This description reflects the nature and level of work performed by associates in this position. It is not an all-inclusive inventory of duties, responsibilities and qualifications required. It provides an accurate overview of the work and skills needed to perform this position. Because job content may change from time to time, Encova Insurance reserves the right to add and/or delete functions from this job as it deems necessary for business reasons. Ready to join our team? At Encova Insurance, we firmly believe that our associates drive our company's success by delivering unrivaled service to our customers. With success in mind, we make an ongoing effort to provide an environment that offers challenging, stimulating, and financially rewarding opportunities. Join us to discover a work experience where you can learn and grow to your fullest potential. What you can expect from us In addition to a competitive compensation package, we offer a comprehensive benefits package designed to support the well-being and growth of our associates. Available benefits (subject to any policy or plan changes) include, but are not limited to: Health, Dental & Vision Insurance Company-provided life and income protection plans Eligibility to participate in a company incentive bonus program 401(k) Retirement Plan - 100% company match up to 7% on annual salary Paid Time Off, Paid Holidays, and Floating Holidays Flexible Work Arrangements - Hybrid and remote depending on the role We believe that happy, healthy associates are the foundation of great work. Join us and thrive both professionally and personally. Encova Insurance is an EOE/E-Verify employer. #LI-Hybrid#LI-MF1 At Encova our associates are the heart of our business. Our exceptional culture makes it a special place to work and gives us a unique advantage. Building and sustaining this culture requires intentional effort from everyone in the company. We believe that achieving results and building trust are interrelated. Through connection, character and competence, we build trusting relationships with associates, agents and policyholders to achieve excellent results. Through our collaborative team structure we find professional and personal growth. We never stop learning and always seek to improve ourselves. At Encova, we know that inclusion and belonging foster our competitive edge by giving voice to every individual’s unique talent and perspective; and we believe that when a condition of equity exists, all associates can contribute to the fullest extent of their knowledge, skills and ability. Don't see the dream job you are looking for? Click Sign In at the top right corner of the screen to access Job Alerts. Here you can select your job search criteria using filters. You will be notified via email if a new position becomes available that matches your requirements. If you know a current Encova Insurance associate and would like to apply as a referral, please encourage them to submit your referral information before you submit your application. You will receive an email with a direct URL link to the Job Posting of interest. Applying through this URL link will create your referral relationship for our Talent Acquisition Team.