Personal Lines Underwriter

AAA

Personal Lines Underwriter managing complex personal lines insurance proposals at Auto Club Group. Educating agents and ensuring compliance with underwriting guidelines and state regulations.

Posted 6/26/2026full-timeRemote • Missouri • 🇺🇸 United StatesMid-LevelSenior💰 $25 - $33 per hourWebsite

About the role

Key responsibilities & impact

Works under minimal supervision with an intermediate-level approval authority to review, accept, reject or modify new and renewal business for moderately complex to complex Personal Lines policies while ensuring a profitable personal book of business.
Reviews risk acceptability to make objective decisions based on underwriting guidelines; ensuring standards for state compliance regulations are met.
Uses creativity and underwriting knowledge to manage risks and retain business.
Refers the most complex or higher-level coverage reviews to senior staff or Supervisor.
Builds and maintains ongoing relationships with agents with the goals of: educating agents on underwriting philosophy, providing updates on changes to products, services, processes and procedures, communicating compliance related concerns and discussing quality of submissions.
Activities include: receiving inbound calls from agents, making outbound calls to agents, and traveling to agent offices.
Reviews loss ratios and growth for agents when evaluating and making agency exceptions.
Works with agents to correct errors.
May change deductibles, increase premiums, cancel policies or recommend that an agent receive additional training or counseling when necessary.
Reports non-compliant or unethical agent behavior.
Partners with Agency Performance Management team and Territory Managers to identify trends and patterns that might create problems.
Collaborates with underwriting operations, sales, claims, and other business units to make recommendations regarding products, systems, and performance as appropriate.
May assist in the training/mentoring of less experienced staff.
May participate in special project teams and department initiatives.

Requirements

What you’ll need

College level coursework in Business Administration or a related field, or equivalent work experience
Working in an underwriting or sales environment to include independent agencies
Analyzing, problem solving and making sound decisions
Negotiating and resolving conflict
Demonstrating proficiency with Microsoft Office software applications
Knowledge of underwriting policies, procedures and practices
Property and casualty insurance terminology, contracts and forms
State insurance regulations and practices
Inspection techniques related to property and casualty insurance
Insurance processing systems (i.e., IPM, Sales & Service Portal, PCMS or similar)
Quantitative measurements (loss ratio, production and profitability)
Fair Credit Reporting Act as it relates to insurance
Ability to evaluate, accept, modify, reject or cancel personal lines risks in accordance with the underwriting guidelines
Ability to evaluate third party documentation to determine the level of risk to which the Company will be exposed
Build, maintain and manage producer and customer relationships
Collaborate and communicate effectively both verbally and in writing with key business partners
Identify and report non-compliant or unethical agent behavior
Work under pressure with a strong attention to detail, completing tasks by taking decisive or quick action
Prepare and present unit activity reports and recommendations to management.

Benefits

Comp & perks

401k Match
Medical
Dental
Vision
PTO
Paid Holidays
Tuition Reimbursement

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills & Tools

underwriting policiesinsurance processing systemsproperty and casualty insurance terminologyquantitative measurementsinspection techniquesrisk evaluationdecision makingnegotiationconflict resolutionMicrosoft Office

Soft Skills

problem solvingrelationship managementcommunicationattention to detailcreativitycollaborationtrainingmentoringworking under pressurereporting