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Personal lines underwriter skills for your resume and career

Updated January 8, 2025

3 min read

Quoted experts

Janet Ruiz,

Robert Hoyt, Ph.D.

Personal lines underwriter example skills

Below we've compiled a list of the most critical personal lines underwriter skills. We ranked the top skills for personal lines underwriters based on the percentage of resumes they appeared on. For example, 11.8% of personal lines underwriter resumes contained insurance policies as a skill. Continue reading to find out what skills a personal lines underwriter needs to be successful in the workplace.

15 personal lines underwriter skills for your resume and career

1. Insurance Policies

Here's how personal lines underwriters use insurance policies:

Managed assigned underwriting territory for Pennsylvania personal lines insurance policies for exclusive Nationwide agencies and independent agencies.
Review of personal lines insurance policies and making underwriting decisions to develop appropriate coverage and rates.

2. Underwriting Decisions

Here's how personal lines underwriters use underwriting decisions:

Explained underwriting decisions to agents and customers that helped diffuse potentially volatile situations.
Make independent underwriting decisions on assigned policies based on company and state guidelines.

3. Loss Ratio

Loss ratio is a term used in the insurance industry to represent the ratio of losses to earned premiums. The formula stands for adjustment expenses plus insurance claims divided by the total premiums.

Here's how personal lines underwriters use loss ratio:

Trained underwriters on auto/property selection and loss ratio management.
Manage Loss Ratio for assigned territory/agencies.

4. Strong Analytical

Here's how personal lines underwriters use strong analytical:

Possess excellent time and desk management skills, including organizing, multi-tasking and use strong analytical skills to make sound decisions.
Review financial documents to determine workout eligibility and negotiation skills as well as strong analytical and problem solving ability.

5. Inspection Reports

An inspection report is a written document provided after a thorough evaluation of a specific procedure/ process.

Here's how personal lines underwriters use inspection reports:

Review all correspondence, daily reports, endorsements and inspection reports, and publications pertaining to responsibility.
Processed and reviewed home inspection reports per corporate loss control inspection criteria.

6. Renewal Retention

Here's how personal lines underwriters use renewal retention:

Presented quarterly underwriter performance, new policy acceptance and renewal retention data.
Achieved renewal retention, rate increases and new business production goals.

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7. Insurance Coverage

Here's how personal lines underwriters use insurance coverage:

Review applications for insurance coverage, reports from loss control consultants, and other information to determine if application is acceptable.
Worked directly with over 80 independent insurance agencies in MA and RI to provide seamless coordination of auto insurance coverage.

8. Insurance Applications

Here's how personal lines underwriters use insurance applications:

Utilized professional and technical expertise to review and analyze insurance applications from agents located in Northeast Illinois.
Performed risk analysis on insurance applications, renewals, and endorsements in compliance with underwriting guidelines.

9. Loss Control

Loss control is a set of measures taken by a financial expert or organization to reduce insurance policy losses. A financial expert will assess and analyze a property for signs of damage and develop loss control measures to mitigate potential risks. The aim of loss control is risk management and saving company assets from future losses.

Here's how personal lines underwriters use loss control:

Work seamlessly with colleagues in commercial insurance, loss control and claims.
Review loss control surveys and property valuations and make recommendations.

10. Risk Analysis

Here's how personal lines underwriters use risk analysis:

Conducted risk analysis studies as well as educational and instructional lectures and seminars.
Performed due diligence risk analysis of various agency submissions to determine eligibility.

11. Risk Assessments

The process of analyzing and identifying the acts or events that have the potential to negatively affect an individual, asset, or business is called risk assessment. Risk assessments are important because they form an integral part of an organization as well as occupational safety plans

Here's how personal lines underwriters use risk assessments:

erformed risk assessments, endorsement and pricing for all lines of new and renewal commercial insurance business.
Provided positive communications with agents and internal staff to collect necessary information to perform risk assessments.

12. Risk Management

Risk management is the method of recognizing, evaluating, and managing risks to an organization's resources and profits. Financial insecurity, regulatory liability, strategic management mistakes, incidents, and natural hazards are just some of the challenges or dangers that could arise. For digitalized businesses, IT security vulnerabilities and data-related threats, as well as risk management techniques to mitigate them, have become top priorities.

Here's how personal lines underwriters use risk management:

Applied company objectives through extensive agent and customer contact regarding profitability and risk management analysis.
Identified and analyzed trends to make recommendations for agency improvement by using risk management reports.

13. Underwriting Standards

Here's how personal lines underwriters use underwriting standards:

Analyzed new and existing business to determine acceptability by company underwriting standards.
Visited agent offices to establish underwriting standards and risk mitigation techniques.

14. Underwriting Territory

Here's how personal lines underwriters use underwriting territory:

Researched agency, district, and market data for assigned underwriting territory to identify business trends and opportunities for profitable growth.
Managed book of Property/WC/Auto/Umbrella business for retention and new business goals in assigned underwriting territory, Fuel Oil Dealer Program.

15. Renewal Accounts

Here's how personal lines underwriters use renewal accounts:

Underwrite new & renewal accounts for the State of Utah, Wyoming & Idaho.
Review flagged auto renewal accounts.

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What skills help Personal Lines Underwriters find jobs?

Tell us what job you are looking for, we’ll show you what skills employers want.

What type of skills will young personal lines underwriters need?

Janet Ruiz

Director – Strategic Communication, Insurance Information Institute

The mathematical mind, meet the meaningful purpose (Liberty Mutual). Underwriters are the heart of the insurance process, gathering and researching pertinent information and then, using finely tuned analytical skills to evaluate the acceptability of business and institutional risk. Underwriters are more than just analysts - they are the core relationship builders with agents and clients. They are responsible for managing a profitable portfolio of business by distributing agents and brokers. An underwriting career includes a dynamic blend of analytical and marketing skills. Research, Analytics, Communications, Relationship Building, Marketing.

What technical skills for a personal lines underwriter stand out to employers?

Robert Hoyt, Ph.D.

Department Head and Dudley L. Moore Jr. Chair of Insurance, University of Georgia

The ability to collect information, work with data, and translate this into insights and knowledge is key in insurance going forward. An important focus in our classes is helping students apply what they are learning to real business situations through projects that are often carried out in teams. The growth of digital strategies in insurance means that emerging graduates are excited by and embrace the use and application of such approaches. However, the ability to engage with people to assist them in managing their personal or business risks is what matters most in this business. At the end of the day, building relationships and trust are the key in insurance.

Do you want to know more?

List of personal lines underwriter skills to add to your resume

The most important skills for a personal lines underwriter resume and required skills for a personal lines underwriter to have include:

Insurance Policies
Underwriting Decisions
Loss Ratio
Strong Analytical
Inspection Reports
Renewal Retention
Insurance Coverage
Insurance Applications
Loss Control
Risk Analysis
Risk Assessments
Risk Management
Underwriting Standards

Underwriting Territory
Renewal Accounts
Homeowner
Policy Changes
Profitable Business
State Regulations
Profitable Growth
Business Applications
Profitable Book
Underwriting Guidelines
Commercial Property
Risk Selection
Policy Holders

Motor Vehicle
Credit Reports
Property Inspections
Insurance Agencies
Business Policies
Customer Complaints
Claims History
Account Underwriting
Technical Advice
Underwriting Issues
Applicable Endorsements
Independent Agencies
Insurance Risks

Updated January 8, 2025

Zippia Team

Editorial Staff

The Zippia Research Team has spent countless hours reviewing resumes, job postings, and government data to determine what goes into getting a job in each phase of life. Professional writers and data scientists comprise the Zippia Research Team.

Updated January 8, 2025

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