Property & Casualty Underwriter (Des Moines)

Midwest Family Mutual Insurance Company is an “A-” (Excellent) rated property & casualty insurance company. We have maintained a fully work-from-home environment since 2006 and are seeking a Commercial and Personal Lines Underwriter to join our growing team.

Key Responsibilities

• Evaluate and underwrite both commercial and personal lines of new and renewal business submissions in accordance with assigned authority levels and underwriting guidelines.

• Assess risk characteristics and exposure to determine pricing and coverage options.

• Cultivate and maintain strong relationships with independent agents.

• Negotiate terms and conditions with producers to write profitable business.

• Maintain compliance with underwriting policies, standards, and regulatory requirements.

• Contribute to the evolution of underwriting strategies, guidelines, and workflows, including the development of AI-driven tools to enhance underwriting accuracy, efficiency, and decision-making.

• Participate in training, mentoring, or knowledge-share initiatives to support continuous improvement.

Compensation & Benefits

• Competitive salary, internet reimbursement, and an excellent benefits package including Medical, Dental, Vision, Health Savings, and Flexible Spending accounts.

• Short-Term and Long-Term Disability, and Life Insurance.

• Robust retirement plans, including a 401(k)/Roth 401(k) with company match and a Defined Benefit Pension Plan.

Requirements  

• Minimum of 3 years of experience in property and casualty insurance is required.

• Strong understanding of both personal and commercial lines of insurance is preferred.

• Proficient knowledge of coverage forms and endorsements, with the ability to interpret and apply them effectively.

• Demonstrated organizational and analytical skills, with a keen attention to detail.

• Must have high-speed cable/DSL internet and a dedicated home office space.

• Excellent written and verbal communication skills.

• Self-motivated and capable of working independently with strong time-management abilities.

• Proficient in Microsoft Office Suite and comfortable with various technologies and systems; strong keyboarding skills.

• Effective team player, able to collaborate across departments and roles.

• Commitment to regular and reliable attendance.

• Adherence to internal control policies relevant to assigned job responsibilities and administrative duties.

• Willingness to perform additional duties as assigned by management.

Education

• Bachelor’s degree in Business, Insurance, or a related field preferred.

• Professional designations (e.g., CPCU, AU, ARM) are a plus and demonstrate a commitment to ongoing industry education.

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