Personal Lines Underwriter

Encova is only able to employ associates who reside and work within specific U.S. states: 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. Ideal candidates will reside within driving distance of our Columbus, Ohio office and will work a hybrid schedule. The salary range for this job posting is $49,225.00 - $98,788.00 annually + bonus + benefits. Pay Type: Salary. The salary range may vary depending on location, education, experience, and other factors. This role reports to a Regional Vice President, Personal Lines.

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. The role ensures 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. 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. #J-18808-Ljbffr Encova Insurance