Personal Lines Underwriting Specialist

Job Description

Job Description

About Brightway

Established in 2008, Brightway is proud to be one of the fastest-growing insurance agency systems in the United States. With over 350 franchises spanning 35+ states and an impressive $1.3 billion in annual premiums, we rank among the nation’s largest privately owned property and casualty insurance distribution companies. We support our agency owners with comprehensive back-office services, marketing resources, and continuous learning and development.

We are embarking on the next stage of our customer-centric growth, driven by innovation from our talented associates and the application of cutting-edge technologies. This growth has opened doors for creative thinkers who thrive in a diverse and collaborative culture. As a Brightway team member, you'll engage in exciting projects that are reshaping the industry, working alongside a dedicated team committed to delivering exceptional customer service and safeguarding our clients' most valuable assets.

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Scope

We are seeking a highly analytical and technically skilled insurance professional to build, maintain, and optimize an AI-driven carrier intelligence database for a national insurance franchise network. This platform will serve both internal support teams and agency partners by helping improve carrier placement strategy, underwriting alignment, quoting efficiency, and overall production performance across the network.

The ideal candidate has deep familiarity with Personal Lines underwriting, carrier appetite, product guidelines, insurance filings, commission rates, contingency planning, and comparative rating workflows. The right person is equally comfortable interpreting underwriting guides and collaborating with technical and product stakeholders to improve how agents access and utilize carrier intelligence.

Job Responsibilities:

• Build and maintain a centralized AI-driven carrier appetite database across Personal Lines products
• Review and interpret:
  • Carrier appetite guides
  • Product guides
  • Underwriting manuals
  • State filings and eligibility requirements
  • Coverage restrictions and underwriting exceptions
  • Commission Rates
  • Contingency Plans
• Translate underwriting rules and appetite nuances into structured, searchable data
• Support testing, validation, and refinement of AI-generated appetite recommendations
• Continuously monitor carrier updates, product changes, and filing revisions to ensure database accuracy
• Identify gaps, inconsistencies, or opportunities within carrier data and workflows
• Partner with internal product, operations, and technology teams to improve AI-powered carrier matching and search capabilities
• Help create scalable processes for maintaining and expanding the database over time
• Contribute to future technology initiatives related to quoting optimization, placement strategy, and operational efficiency
• Develop tools, documentation, and workflows that help agents quickly identify appropriate carrier options
• Serve as a subject matter expert on carrier data and underwriting interpretation
• Collaborate with agency operations, sales leadership, and support teams to improve placement outcomes
• Provide feedback and insights based on agent usage trends and underwriting friction points

Skills

• 3+ years of Personal Lines underwriting or carrier placement experience
• Strong understanding of:
  • Carrier appetite
  • Commission rates / contingency plans
  • Insurance product structures
  • Underwriting guidelines
  • State filings and compliance considerations
• Experience working with underwriting manuals, product guides, and carrier documentation
• Strong technical aptitude and comfort learning new systems and platforms
• Excellent written and verbal communication skills
• Ability to work cross-functionally with business and technical teams

Education and Experience

• Personal interest in AI and emerging technology
• Prior experience collaborating with product or technology teams on operational or platform initiatives

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Equal Employment Opportunity:
Brightway Insurance is committed to creating a diverse and inclusive workplace that values and respects the contributions of all individuals. We are an equal opportunity employer and do not discriminate based on race, color, national origin, sex, age, disability, religion, sexual orientation, gender identity, or any other characteristic protected by applicable law.

We believe that a diverse workforce is essential to our success and fosters innovation, creativity, and collaboration. Our goal is to provide a work environment that is free from discrimination and harassment, where everyone has an equal opportunity to succeed and grow.