Underwriter - Personal Lines

Capital Insurance Group Personal Lines Underwriting Team OpportunityAt Capital Insurance Group we offer our employees more than just a job. We foster career growth, provide opportunities to give back to our communities, and help you take the next step in your career!CIG was founded in 1898 by a group of earnest farmers in need of protection and today, we are the leading West Coast Property & Casualty insurer. CIG is certified as a Great Place to Work and provides a collaborative, inclusive, and fun work culture for all employees.Why Choose CIG's Personal Lines Underwriting Team?This is your perfect opportunity to join a company that is building momentum with our independent agents and protecting the dreams and assets of our policyholders. Join the CIG Underwriting team in helping build a safer world where dreams soar!BenefitsAccrue twenty-one days of Paid Time Off during your first yearUp to eighty-seven percent of benefits are covered by CIG for you and your family members Medical, Dental, Vision plans, TelehealthOne hundred percent covered plans Basic Life & AD&DEmployee AssistanceLeave ManagementLong Term DisabilityShort Term Disability (Outside of CA)Employee Benefit Advocacy Hot LineFamily Caregiver Support (Homethrive)Child Care Resources (Tootris)Business Travel Accident ProtectionVoluntary benefit offerings Short-term Disability (CA only)Voluntary Life AD&D self, spouse, and child plansFlexible Spending (FSA)Health Savings (HSA)Hospital IndemnityAccidental InjuryPet InsuranceCommuter BenefitCritical IllnessARAG Legal ServicesNorton LifeLockNine paid holidays, plus two floating holidaysAbove and Beyond Reward Recognition Program Kudos & Shout Out Points ProgramQuarterly Above and Beyond Bonus ProgramAnnual Above and Beyond Bonus ProgramCompetitive compensation Base compensationSalary Management Spot BonusesAnnual Incentive/Profit sharing program, potential payout annually based on company results.Discount partnerships Gym memberships, credit union, travel, shopping, restaurants, theme parks, and moreInsurance, educational reimbursement, and bonus programsEmployee Referral Bonus ProgramHome and Auto Insurance Discount Program.Paid Volunteer Time – Through company-planned community events and choose your own adventure PVT in giving back in ways that are meaningful to you!Retirement savings benefit (401k and Roth + match)Health & Financial Wellness Wellness platform, tools, and events - VitalityHealth Savings Account – matchFinancial Wellness ResourcesWork Environment & FormatThis is a hybrid-eligible position, where Monday through Wednesday would be working in one of our offices, with Thursday and Friday eligible for work-from-home days. Office locations include: Reno (NV), Monterey (CA), Roseville (CA), and Phoenix (AZ).OverviewThe Personal Lines Underwriter is responsible for maintaining an underwriting desk which includes the individual risk selection according to company guidelines. In addition, the role requires maintaining profitability, establishing strong internal as well as external customer relationships. The position will provide knowledge of underwriting appetite and company philosophy to our agency partners. The individual will participate in audits and special projects as needed to facilitate the continued growth and renewal profitability goals. This person will work closely with the Underwriting Supervisor on any matters related to Personal Lines Underwriting.ResponsibilitiesReview and maintain agency management practices for assigned agents, utilizing this information for respective file decisions and quarterly agency reviews.Complete drafts for Department of Insurance complaints with the assistance of the PL Underwriting SupervisorComplete underwriting and file reviews on referred new business, endorsements, inspections, CRU Claim Report to Underwriting, and renewal questionnaires.Field incoming phone calls and email messages from agents to provide underwriting answers to inquiries and service for the assigned territory.Achieve annual growth, loss ratio, retention and time service goalsAgency Management – Use of APS Agency Profile System and regular contact with ADM Agency Development Manager in a mutual partnership to facilitate production.Undertakes special projects as requested by management. May participate in audit and quality control reviews.Job description is not prescriptive, but rather a guide as to the duties and responsibilities you will have, however it is not limited to the listed above.RequirementsKnowledge of insurance industry terminology and lawsGeneral policies and procedures for underwriting personal lines insurance risksA college degree is preferred with 3 years' experience as a Personal Lines underwriter or equivalent experience.Demonstrated ability to apply sound underwriting principles in a professional, consultative manner.Excellent verbal and written skills are required.Continued personal development in insurance courses is desirable.Experience with automated underwriting and rating systems.Experience with Microsoft software including Word, Excel, Outlook and Power PointCandidates must be authorized to work in the United States without the need for current or future visa sponsorship.Career Path potential:Sr. Underwriter – Personal LinesSalary Range : $55,012.00 - $91,687.00The salary range listed here has been provided to comply with local regulations and represents a potential base salary range for this role. Please note that actual salaries may vary within the range above or below, depending on experience and location. We look at compensation for each individual and base our offer on your unique qualifications, experience, and expected contributions. This position may also be eligible for other types of compensation in addition to base salary, such as benefits and bonus programs.