Commercial Lines Underwriter

FrankCrum is a Top Workplace!

Frank Winston Crum Insurance (FWCI) issues Workers' Compensation and General Liability policies by offering flexible coverage and payment options to meet the varied needs of businesses. Over the years, FWCI has grown from a single-state insurance carrier to one that is licensed in 42 states and continues to expand. In addition to regional and product line growth, FWCI has enhanced its value-added services. What has not changed though is the firm's commitment - echoed throughout the family of companies - "always to do the right things for the right reasons!"

Click here to learn more about FrankCrum!

The Role You'll Play to Create Success

We are excited to announce our search for a full-time Commercial Lines Underwriter! In this role, you will have the opportunity to impact the FrankCrum business everyday by acquiring, developing and maintaining profitable new and renewal commercial lines accounts including, but not limited to workers compensation, monoline and packaged general liability, property, Inland Marine, crime, etc. through timely evaluation of individual risks, understanding market conditions and by providing good customer services for current and prospective clients.

1. Provides guidance and serves as mentor to new hires, Underwriting Assistants, and Junior Underwriters.
2. Reviews beyond individual account transactions and manages assigned agents / book of business to achieve new business, renewal retention, and loss ratio objectives in support of Strategic Planning Initiatives.
3. Reviews new business application information, including STPs for completeness including verification that the exposure submitted is covered within FWCI Underwriting Guidelines.
4. Coordinates with internal and external representatives, agents, and their assistants to obtain complete submission information to include but not limited to gathering missing details, clarify any inconsistencies, and validation of third-party information.
5. Assembles information, analyzes loss experience, financial conditions, and physical characteristics of risks, develops recommendations, and clearly expresses decisions using sound reasoning and judgement in accordance with FWCI Underwriting Guidelines and established rating rules and regulations. Decides whether to approve, deny, or modify insurance policies based on risk assessment and set appropriate premiums, coverage, and deductible limits.
6. Maintains accurate and detailed records of underwriting decisions and assessments. Ensure compliance with documentation standards and procedures.
7. Communicates effectively and respond to agent / external representatives' inquiries regarding risk eligibility, underwriting appetite, new business, renewals, endorsements, rate changes, coverages, limits of insurance, and system navigation through verbal and/or written means.
8. Supports Business Development Team by participating in telephone, video and in person meetings with agent personnel.
9. Collaborates with other departments, such as claims and marketing, to ensure a coordinated approach to risk management.
10. Reviews audit underwriting alerts to determine what actions and/or adjustments, if any, must be made to the current and expired policies.
11. Reviews Loss Control and Injury Reports that have been completed by the FWCI Risk Management Department and responds with recommendations in accordance with FWCI underwriting guidelines.
12. Reviews existing policies during renewals and endorsements and assesses if any modifications are necessary. Adjust premiums and coverage based on changes in risk factors.

The Attributes We Seek

Keys to success in this position include possessing the working knowledge of commercial casualty underwriting practices, workers' compensation laws and costs, as well as knowledge of Independent agent and broker distribution and operations.
A minimum of three (3) years prior experience in commercial insurance to include agency and/or underwriting.
Workers' Compensation and Commercial General Liability experience desired.
An associate degree in Accounting, Finance, Management, Business Administration, a related field, or equivalent experience is preferred, a high school diploma or equivalent is required.


Our Competitive Benefits

Along with this great opportunity, FrankCrum also provides exceptional benefits from top carriers including:

• Health Insurance is zero dollar paycheck cost for employee's coverage and a low cost for family plan.
• Dental and Vision Insurance
• Short Term Disability and Term Life Insurance at no cost to the employee
• Long Term Disability and Voluntary Term Life Insurance
• Supplemental insurance plans such as Accidental, Critical Illness, Hospital Indemnity, Legal Services and Pet Insurance
• 401(k) Retirement Plan where FrankCrum matches 100% of the first 4% the employee contributes, and the employee is immediately vested in the employer match
• Flexible Spending Accounts for Medical and Dependent Care Reimbursement
• Health Savings Account funded by FrankCrum
• Paid time off and holiday pay
• Education Benefit Program at the IRS Maximum allowance
• PTO cash out
• Tickets at Work
• Access to the Corporate America Family Credit Union
• Employee and client referral bonus programs
• Disaster Relief Fund for employees

What's Special About FrankCrum

FrankCrum, a family-owned business-to-business entity since 1981 made of several companies: FrankCrum Corporate (a professional employer organization), FrankCrum Staffing, Frank Winston Crum Insurance Company, and the FrankCrum Insurance Agency - all based in Clearwater, Florida. This "family of employer solutions" employs approximately 400 people who serve over 4,000 clients throughout the United States. FrankCrum employees are trained to deliver high value through exceptional customer service and treat clients and coworkers like family. By living by our Brand Pillars (Integrity, Affinity, and Prosperity) employees are recognized at quarterly events for exceptional customer service and milestones in tenure.


The FrankCrum headquarters spans 14 acres and includes a cafe, subsidized for employees. Menus include made-to-order breakfast, hot lunch options and even dinners that can be ordered to-go, all at very affordable prices. The cafe also plays host to monthly birthday and anniversary celebrations, eating and costume contests, and yearly holiday parties. Through the input of its own employees, The Tampa Bay Times has recognized FrankCrum as a Top Place to Work for more than 10 years in a row! FrankCrum also supports several community efforts through Trinity Café, the Homeless Empowerment Program, and Clearwater Free Clinic!

If you want to play this role to positively impact our client's day-to-day business, then apply now!

FrankCrum is an Equal Opportunity Employer that does not discriminate on the basis of actual or perceived race, color, creed, religion, national origin, ancestry, citizenship status, age, sex or gender (including pregnancy, childbirth and pregnancy-related conditions), gender identity or expression (including transgender status), sexual orientation, marital status, military service and veteran status, physical or mental disability, genetic information, or any other characteristic protected by applicable federal, state or local laws and ordinances.
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