Personal Lines Underwriter/Broker

At RPS, we don’t just embrace bold ideas, we make them happen. We’re a team of entrepreneurs, big-picture thinkers, and passionate experts who thrive on possibility. Every day, we collaborate across teams, challenge convention, and push boundaries to design innovative solutions for our clients. With access to top-rated carriers and a dynamic marketplace, we bring strategy and creativity together to deliver what others might call impossible. Here, every voice counts, every perspective matters, and every challenge is an opportunity to grow. You’ll be supported by a culture that celebrates ownership, curiosity, and high performance, where you’re trusted to do your best work and encouraged to keep learning along the way.

In this role, you'll help service and manage personal lines accounts while balancing underwriting judgement with day-to-day client support. You'll review insurance applications for property and casualty cover, assess the risk using details such as property value, location, usage, and safety features, and decide whether to accept, amend, or decline the risk within set underwriting guidelines.

You'll also work closely with colleagues in the field to gather the information you need to support clear, well-reasoned underwriting decisions. This is a role where service, accuracy, and sound judgement come together, with both production and service goals to work towards.

You'll manage assigned accounts from both a service and underwriting point of view, making sure each one is handled with care and in line with agreed guidelines. Day to day, you'll review applications, weigh up risk information, and help shape policy decisions that are fair, consistent, and well supported.

You'll also stay close to the field teams, asking the right questions and building the information needed to defend underwriting decisions. Alongside that, you'll keep an eye on your production and service goals, helping to make sure accounts are moved forward efficiently while giving clients and colleagues the support they need.

Here's what you'll bring to the role:

• You'll be able to review personal lines insurance applications and make underwriting decisions using set guidelines.
• You'll be comfortable assessing risk using information such as property value, location, usage, safety features, and other relevant details.
• You'll be able to decide when to accept, amend, or decline a risk and explain the reason clearly.
• You'll be confident gathering information from field contacts and using it to support underwriting decisions.
• You'll be able to manage assigned accounts while keeping service and production goals in view.
• You'll communicate clearly with colleagues and partners, using plain language to explain decisions and ask for the information you need.
• You'll work in a way that is organised, accurate, and focused on follow-through.
• You'll be comfortable balancing day-to-day servicing with underwriting work.

Required:

• Bachelor's degree and 3 years related experience required.
• Working knowledge of Microsoft Windows applications and Microsoft Office.
• Assignments are broad in nature and usually require originality and ingenuity.

#LI-MS4

We offer a competitive and comprehensive compensation package. The base salary range represents the anticipated low end and high end of the range for this position. The actual compensation will be influenced by a wide range of factors including, but not limited to previous experience, education, pay market/geography, complexity or scope, specialized skill set, lines of business/practice area, supply/demand, and scheduled hours. On top of a competitive salary, great teams and exciting career opportunities, we also offer a wide range of benefits. 

Below are the minimum core benefits you’ll get, depending on your job level these benefits may improve:

• Medical/dental/vision plans, which start from day one!
• Life and accident insurance
• 401(K) and Roth options
• Tax-advantaged accounts (HSA, FSA)
• Educational expense reimbursement
• Paid parental leave

Other benefits include:

• Digital mental health services (Talkspace)
• Flexible work hours (availability varies by office and job function)
• Training programs
• Gallagher Thrive program – elevating your health through challenges, workshops and digital fitness programs for your overall wellbeing
• Charitable matching gift program
• And more...

**The benefits summary above applies to fulltime positions. If you are not applying for a fulltime position, details about benefits will be provided during the selection process.

We value inclusion and diversity

Click Here to review our U.S. Eligibility Requirements

Inclusion and diversity (I&D) is a core part of our business, and it’s embedded into the fabric of our organization. For more than 95 years, Gallagher has led with a commitment to sustainability and to support the communities where we live and work.

Gallagher embraces our employees’ diverse identities, experiences and talents, allowing us to better serve our clients and communities. We see inclusion as a conscious commitment and diversity as a vital strength. By embracing diversity in all its forms, we live out The Gallagher Way to its fullest.

Gallagher believes that all persons are entitled to equal employment opportunity and prohibits any form of discrimination by its managers, employees, vendors or customers based on race, color, religion, creed, gender (including pregnancy status), sexual orientation, gender identity (which includes transgender and other gender non-conforming individuals), gender expression, hair expression, marital status, parental status, age, national origin, ancestry, disability, medical condition, genetic information, veteran or military status, citizenship status, or any other characteristic protected (herein referred to as “protected characteristics”) by applicable federal, state, or local laws.

Equal employment opportunity will be extended in all aspects of the employer-employee relationship, including, but not limited to, recruitment, hiring, training, promotion, transfer, demotion, compensation, benefits, layoff, and termination. In addition, Gallagher will make reasonable accommodations to known physical or mental limitations of an otherwise qualified person with a disability, unless the accommodation would impose an undue hardship on the operation of our business.