Personal Lines Insurance Underwriter

Job Description

Job Description

Rural Mutual Insurance is seeking an analytical, detail‑driven Personal Lines Underwriter to join our team. You’ll work closely with agents and internal teams to evaluate risk and support sound underwriting decisions for personal lines products. This role offers the flexibility of a hybrid schedule following successful onboarding and training.  

At Rural Mutual Insurance, we offer a supportive work environment, career growth opportunities, and a comprehensive compensation package that includes health, dental, and vision insurance, a matching 401(k), and generous time off. We’ve earned consistent recognition as a Madison Magazine Best Places to Work and an  A+ AM Best financial strength rating . If you're ready to be part of a team that values your expertise and encourages your professional growth,  apply today!  

$60,000 - $65,000 yearly

• Evaluate risk for acceptance, rejection, or modification in compliance with company guidelines and procedures for Homeowners and Personal Auto lines of business.

• Review and evaluate requests from agents for approval of situations that may fall outside the established underwriting guidelines.

• Review and evaluate incoming policy change requests.

• Review and evaluate risk alerts based upon activity and information provided from claim adjusters, and make decisions regarding renewal impact. 

• Review and promptly respond to incoming e-mails, phone calls, and correspondence.

• Ability to make decisions, follow procedures, follow the letter of authority, and work within the published department service standards.

• Perform other duties as assigned.

• 2+ years of Personal lines underwriting experience is highly preferred.
• Associate degree or equivalent from a two-year college or technical school or equivalent experience preferred.
• Excellent oral and written communication skills.
• Excellent attention to detail; ability to multitask and make decisions.
• Strong team player.
• Demonstrated analytical and problem-solving skills.
• Self-motivated with the ability to work independently.
• Demonstrated proficient personal computer skills, with working knowledge of Microsoft Suite.
• Additional education in insurance or other industry-related coursework is preferred. Interest in pursuing additional education in the insurance industry.
• Bilingual abilities (Spanish, Hmong, etc.) a plus.

What You'll Love About Rural Mutual Insurance:

We are a leading property and casualty insurance company based in Wisconsin, well known for our financial strength and longevity in the insurance industry. Our reputation in the marketplace ensures stability and opens up numerous growth opportunities for our employees.

We created a welcoming place to work with friendly and professional leadership. We are known for the great care we take with our staff, our agents, and our customers. We are passionate and determined about delivering the best customer service, preserving insurance industry knowledge, and making a difference through the work that we do.

We believe in a healthy work/life balance and, to that end, offer a competitive and comprehensive compensation package including health, dental, life, LTD, and vision insurance as well as an employee bonus plan, matching 401(k) plan, and generous time off benefits.