Personal Lines Underwriter

Top Personal Lines Underwriter Skills

Below we've compiled a list of the most important skills for a Personal Lines Underwriter. We ranked the top skills based on the percentage of Personal Lines Underwriter resumes they appeared on. For example, 13.8% of Personal Lines Underwriter resumes contained Personal Lines Business as a skill. Let's find out what skills a Personal Lines Underwriter actually needs in order to be successful in the workplace.

The six most common skills found on Personal Lines Underwriter resumes in 2020. Read below to see the full list.

1. Personal Lines Business

high Demand
Here's how Personal Lines Business is used in Personal Lines Underwriter jobs:
  • Managed and built out a $14.5 million book of personal lines business through careful consideration of risk and mitigation details.
  • Manage financial performance of a $33 million book of high net worth personal lines business throughout New England.
  • Ensured proper selection and pricing of personal lines business with an emphasis on development of large complex exposure.
  • Analyze new and existing personal lines business to evaluate degrees of risk and potential exposure.
  • Apply company philosophies to profitably underwrite all lines of personal lines business.

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2. Insurance Policies

high Demand
Here's how Insurance Policies is used in Personal Lines Underwriter jobs:
  • Review of personal lines insurance policies and making underwriting decisions to develop appropriate coverage and rates.
  • Analyzed incoming applications for eligibility from agents and issued the insurance policies.
  • Determined appropriate premiums and wrote personal insurance policies to cover potential risks.
  • Review personal lines insurance policies to determine eligibility and ensure proper rating.
  • Evaluated insurance policies to determine coverage availability and changes in premiums.
  • Reviewed and processed personal lines insurance policies.
  • Review personal lines insurance policies for desirability.
  • Processed endorsement changes to insurance policies.
  • Underwrite personal automobile insurance policies.
  • Trained sales, underwriting, and claims staff on the different insurance policies, underwriting standards, and customer service programs.
  • Evaluated risk and eligibility of new and existing personal lines insurance policies while adhering to the company's underwriting guidelines.
  • Used detailed risk management analysis to accept, reject, or modify automobile and property insurance policies.
  • Performed policy level underwriting for insurance policies in the consumer Direct Auto and Special Lines divisions.
  • Review and analyze personal lines insurance policies for the state of Minnesota and other surrounding states.
  • Process applications for, changes to, reinstatement of, and cancellation of insurance policies.
  • Developed strong understanding of insurance policies, legal issues, and regulatory guidelines and standards.
  • Performed a continuous review of over 12,000 insurance policies regarding changes and losses.
  • Underwrite, submit, approve insurance policies, and present decisions to management.
  • Analyzed and rated an average of 100 new automobile insurance policies daily.
  • Process and record new insurance policies and claims.

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3. Auto Insurance

high Demand
Here's how Auto Insurance is used in Personal Lines Underwriter jobs:
  • Approved or rejected applications for private passenger auto insurance submitted by agents.
  • Analyzed new business applications in regards for auto insurance exposure.
  • Worked directly with over 80 independent insurance agencies in MA and RI to provide seamless coordination of auto insurance coverage.
  • Lead the UAT effort for system implementation of the new deregulated state personal auto insurance plan
  • Take calls from the field on questions regarding eligibility Underwriting auto insurance for the state of Illinois
  • Major Duties: Reviewed and evaluated risk on auto insurance applications.

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4. Customer Service

high Demand
Here's how Customer Service is used in Personal Lines Underwriter jobs:
  • Maintained strong relationships and provided excellent customer service to agents, internal partners, and policyholders through telephone contact.
  • Respond to elevated underwriting and customer service inquiries from agents and insureds.
  • Provided feedback to management for underwriting and customer service employee performance reviews.
  • Trained and developed customer service representatives.
  • Ranked 1st in Underwriting for customer service and accuracy in processing New Business, Renewals, Cancellations, and Endorsements.
  • Performed a variety of customer service, food preparation, and cleaning duties in restaurant.
  • Provided training and backup support to Sales, Customer Service and Policy Service Representative.
  • Handled collections on past due customers, invoicing and other related customer service functions.
  • Provided customer service to customers as they entered and exited.
  • Assisted Sales department with underwriting and customer service issues.
  • Light customer service in regard to renewal of policies.
  • Provided Personal Lines customer service to insureds and agents.
  • Front Office Customer Service, Reception and Operation;.
  • Provided customer service to all vendors and clients.
  • Assisted customer service and sales call center.
  • Provide customer service to agents.
  • Assisted agents via e-mail, fax and phone with customer service-related issues and policy information/coverages.
  • Evaluated new and existing property risk for eligibility Provided customer service to agents and insureds
  • Organize workflow to accomplish timely response to customer requests while maintaining the highest level of customer service and professionalism.
  • Provided a high degree of customer service to both first and third parties.

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5. Underwriting Territory

high Demand
Here's how Underwriting Territory is used in Personal Lines Underwriter jobs:
  • 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.
  • Classified and priced Personal Lines business within an assigned underwriting territory.
  • Managed assigned underwriting territory for Seattle Washington to ensure profitability.
  • Expanded the underwriting territory from just the New England States to all states east of the Mississippi River.
  • Handled Florida automobile underwriting territory of close to $150 million.
  • Manage underwriting territory and approve new business based on analysis of profitability.Analyze new and renewal business data and claim history.
  • Manage assigned underwriting territory to identify business trends, ensure profitability and build agency relationships.
  • Concord Group Insurance - Bow, NH Manage underwriting territory and select new business based on analysis of their profitability.

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6. Underwriting Guidelines

high Demand
Here's how Underwriting Guidelines is used in Personal Lines Underwriter jobs:
  • Educated line underwriters in various topics, and delivered seminars on underwriting guidelines and philosophy to agent groups.
  • Worked with marketing on review of underwriting guidelines in order to promote flexibility in attracting new business opportunities.
  • Recognized by leadership for outstanding quality work, following underwriting guidelines, and underwriting curiosity.
  • Communicated with agents, applicants and insureds regarding individual applications and underwriting guidelines.
  • Increased proficiency among agency partners by consistently communicating underwriting guidelines.
  • Risk review and selection based on established underwriting guidelines.
  • Prepared and submitted forms and applications and reviewed inspections against underwriting guidelines, with an emphasis on cat exposures.
  • Determine whether risks submitted for coverage are acceptable based on underwriting guidelines, profitable and meet insured s needs.
  • Prepare and issue legal notices of cancellation and non-renewal for policies that do not meet underwriting guidelines.
  • Managed, analyzed, and evaluated personal lines risk according to underwriting guidelines to achieve profitable growth.
  • Rate with seven insurance companies on and possess a thorough knowledge of their respective underwriting guidelines.
  • Test and analyze new and revised underwriting guidelines as required by the company and state.
  • Achieved an excellent knowledge of underwriting guidelines, procedural, and billing systems
  • Assist in training of new appointments on underwriting guidelines and systems.
  • Educated agents on Farmers underwriting guidelines and state compliance.
  • Conduct agency trainings with principal and associate agents to assist in understanding of underwriting guidelines and procedures.
  • Review new and renewal business applications to determine insurability based on corporate Underwriting guidelines and standards.
  • Maintained a diverse book of business and abided by underwriting guidelines within WI, IL, MI, and IA.
  • Worked within authority to quote, accept, decline, modify and renew risks in accordance with accepted underwriting guidelines.
  • Utilize underwriting guidelines and company best practices to ensure compliance with state regulations.

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7. Loss Ratio

high Demand
Here's how Loss Ratio is used in Personal Lines Underwriter jobs:
  • Planned and executed underwriting projects that successfully improved loss ratio, increased profits, and eliminated adverse risk exposures.
  • Trained underwriters on auto/property selection and loss ratio management.
  • Manage Loss Ratio for assigned territory/agencies.
  • Monitor Personal Lines Department loss ratios, premium production, underwrite renewals, send expired policy notices, etc.
  • Reduced Loss Ratio by 10 points for third most leveraged agent in Northeast Region over 12 month period.
  • Monitored agency loss ratio, frequency, and retention to formulate corrective action plans when necessary.
  • Run reports and monitor loss ratio for the States of Utah, Wyoming & Idaho.
  • Review loss ratios for agencies with Underwriting manager and books of business for profitability.
  • Analyzed their book of business and made suggestions to improve loss ratio's.
  • Received award for managing the territory with the best loss ratio in 2005.
  • Exceed production, transaction, and loss ratio monthly and yearly budgeted goals.
  • Assisted in re-underwriting projects to help improve home and auto loss ratios.
  • Used a loss ratio method to determine desirability and continuation of accounts.
  • Evaluate loss ratios and agency performance for agency reviews.
  • Meet set sales and loss ratio goals.
  • Maintain desirable loss ratio and production numbers.
  • Obtained assigned loss ratio objectives.
  • Reduced loss ratios from 77% in 2015 to 61% in 2017.
  • Handled a volume of $2,100,000 with a loss ratio of 63.1%
  • Managed agency's with poor track records and lowered their loss ratio to below the 55% threshold to breakeven.

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8. Company Underwriting Guidelines

high Demand
Here's how Company Underwriting Guidelines is used in Personal Lines Underwriter jobs:
  • Determine eligibility for homeowner's renewal policy by following company underwriting guidelines.
  • Evaluated risks by adhering to company underwriting guidelines and procedures.
  • Learned company underwriting guidelines and processed all changes to a policy.

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9. Homeowner

high Demand
Here's how Homeowner is used in Personal Lines Underwriter jobs:
  • Reviewed applications for homeowners insurance through the Louisiana Citizens Property Insurance Plan in order to determine final approval or denial.
  • Prepared and evaluate4d on new business endorsements and renewal for homeowner, automobile, umbrella and watercraft policy.
  • Reviewed applications for insurance through the Louisiana Citizens Property Insurance Homeowner and Dwelling Plans.
  • Managed underwriting efforts for both Automobile and Homeowner applications to determine eligibility.
  • Evaluated and processed homeowners endorsements and applications for West Coast producers.
  • Performed underwriting duties for Homeowner and Automobile policies.
  • Managed automobile and homeowners insurance accounts.
  • Handled Personal Auto, Homeowner, Mobile Home, Low Value Fire and EC, Motorcycle, and Boat underwriting
  • Ensured all applications for homeowners and home dwelling fire lines were fair, just and what the customer needed.
  • Marketed Excess and Surplus Lines products to brokers including Homeowners, Dwellings, Excess Umbrellas, Excess Flood products.
  • Trained in aspects of personal lines insurance underwriting auto, homeowners, umbrella, and inland marine.
  • Underwrite using mainframe and web based systems, claims databases, reconstruction calculations and homeowner inspections.
  • Reviewed, questioned and issued homeowners, auto, and dwelling fire policies.
  • Issued Homeowner, Dwelling Fire, Auto and Personal Liability policies.
  • Represented homeowners, automobile, umbrella, specialty lines, i.e.
  • Discussed automobile and homeowner quotations over the phone.
  • Underwrite homeowners insurance, evaluate price to risk.
  • Underwrite risks in homeowners and automobile insurance.
  • Investigated claims referrals from adjusters to insure the homeowners policy is being rated to correct insurable value.
  • Handled all homeowners insurance quotes.

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10. Insurance Agents

high Demand
Here's how Insurance Agents is used in Personal Lines Underwriter jobs:
  • Communicated with insurance agents directly to fully assess and communicate risk ratings, while maintaining integrity and impartiality of the department.
  • Developed and executed marketing plan to improve premium growth for selected retail insurance agents through in-person visits and telemarketing.
  • Collaborate with insurance agents to ensure accuracy and rectify omissions and errors.
  • Managed insurance agents to increase productivity.
  • Work with insurance agents and Territory Sales Managers to educate them on our products, effective quoting and systems knowledge.
  • Interacted with licensed insurance agents to assist in the provision of services for auto, home and personal liability insurance.
  • Write out to Insurance Agents and Insured's to request any information required to underwrite the Homeowner's policy.
  • Performed coverage and rate analysis on potential rollover books of business for Independent Insurance Agents.
  • Review fire and auto transactions for Oregon, Washington, and California insurance agents.
  • Managed a territory of independent insurance agents, helping agents achieve sales goals.
  • Assisted and advised insurance agents of options available to meet insured's needs.
  • Explained coverage, rules, forms, and decisions to insurance agents.
  • Build and maintain productive relationships with co-workers and our Insurance Agents.
  • Provided direct assistance to insurance agents and Hartford clients.
  • Provided assistance and policy interpretation for 30+ insurance agents in a dynamic and fast paced environment.
  • Evaluate new auto, home and umbrella risks * Manage insurance agents to increase productivity.

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11. Insurance Companies

high Demand
Here's how Insurance Companies is used in Personal Lines Underwriter jobs:
  • Underwrite new and renewal submissions interact with insurance companies, third party vendors and retail customers as necessary.
  • Work closely with underwriters from other insurance companies.
  • Placed personal lines insurance with insurance companies.
  • Liaised with other insurance companies.
  • Worked with multiple insurance companies to obtain competitive rates for current and new clientsDeveloped and maintained agent relationships

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12. Policy Changes

high Demand
Here's how Policy Changes is used in Personal Lines Underwriter jobs:
  • Complete workload processing endorsements and policy changes, meeting quality, productivity and service standards as established by Travelers Insurance.
  • Underwrite submissions for new policy-holders and underwrite policy changes for existing policy-holders.
  • Processed endorsement submissions for policy changes and reviewed renewal risk.
  • Attend district meetings and visit agents quarterly to conduct training, go over new rates, policy changes and guidelines.
  • Performed necessary rating and coding for quotes, new business, renewals and policy changes.
  • Provided quotes and executed on-line policy changes for auto, home and excess liability.
  • Service regional agents with questions, concerns, policy quoting, and policy changes.
  • Maintain a current flow of correspondence for customer concerns and policy changes.
  • Screen applications for insurance, reinstatement, policy changes and claims.
  • Processed policy changes to maintain compliance with state specific laws.
  • Processed policy changes, billing requests and cancellation requests.
  • Process endorsements and other policy changes.
  • Reviewed applications, re-inspections and policy changes to evaluate, classify, terminate and/or modify polices according to underwriting guidelines.
  • Rated policy changes and rewrites as needed Ordered and reviewed property inspections at new business and renewals as deemed appropriate.
  • Assist new/existing customers with all Personal Lines related questions, requests for policy changes, and cancellations/reinstatements.
  • Answer calls from insured's and agents in regards to policies Process policy changes Review policies Work inbound customer requests

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13. New Business Policies

high Demand
Here's how New Business Policies is used in Personal Lines Underwriter jobs:
  • Reviewed pending underwriting tasks/red flags on new business policies and endorsements submitted by producers.
  • Reviewed new business policies to validate whether acceptable per underwriting guidelines.
  • Issue new business policies after reviewing risk against underwriting guidelines.
  • Issue new business policies, renewals and endorsements.
  • Approved and Declined New Business Policies.
  • Worked remotely from home Review and approve new business policies.

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14. Phone Calls

high Demand
Here's how Phone Calls is used in Personal Lines Underwriter jobs:
  • Managed phone calls and office visitors providing improved office efficiency and improving customer service.
  • Job Duties: Evaluating personal auto and property risks, answering phone calls from agents, processing endorsements and cancellations, marketing
  • Deliver Customer Service Excellence within client call handling guidelines while handling phone calls and recording Wrap-up codes on each call.
  • Answer incoming telephone calls from personal lines insurance agents to resolve any issues they had regarding new and existing business.
  • Review personal lines policies for WI * Review personal lines policies for MN * Answering phone calls /servicing agents
  • Take incoming phone calls from clients regarding the status of their policies or requests that have been submitted.
  • Participate in the training of agents via phone calls, agency visits and agency training seminars.
  • Answer telephone calls from sales agents, account manager, account executives, and agency principals.
  • Assisted agents via visits or phone calls on how to operate our new system.
  • Have a reputation for thorough responsive answering of emails and phone calls.
  • Handled agent, policyholder, and service center phone calls and requests.
  • Handle inbound phone calls from State Farm agents and team members.
  • Handled inbound and outbound phone calls, emails and faxes.

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15. Inspection Reports

average Demand
Here's how Inspection Reports is used in Personal Lines Underwriter jobs:
  • Review various inspection reports and other supporting documents for compliance with company guidelines and when necessary underwriting risk based decisions.
  • 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.
  • Ordered and reviewed inspection reports according to company guidelines.
  • Reviewed and supervised inspection reports and made recommendations.
  • Review inspection reports and initiate endorsements to increase value of policies, cancel policies, or re-tier policies to mitigate risks.
  • Investigated risk exposures utilizing inspection reports, risk maps, and claims experience.
  • Assigned to process endorsement requests, review inspection reports.
  • Ensured accuracy of home values through inspection reports.
  • Processed follow-up reports, performed re-underwriting activities, ordered and reviewed inspection reports to improve profitability of assigned book of business.
  • Examined home inspection reports and residential appraisal reports to determine adequate coverage.
  • Reviewed and evaluate reconstruction MSB and inspection reports to ensure accuracy.
  • Limited commercial Experience - Consisted of examining existing applications, renewals, inspection reports (P.I.A.L.

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16. Independent Agent

average Demand
Here's how Independent Agent is used in Personal Lines Underwriter jobs:
  • Analyzed risks and accepted, modified or rejected them in order to improve profitability while maintaining strong relationships with independent agents.
  • Worked with independent agent across the South Carolina area and reviewed applications for approval for company services.
  • Handled written and verbal communications with our independent agents and trained new underwriting assistants.
  • Provide recommendations and assistance to independent agents regarding all personal lines policies.
  • Assisted independent agents and policyholders with guidelines to establish underwriting.
  • Developed relationships with independent agents and marketing reps to increase the customer base and guarantee client satisfaction.
  • Managed an assigned territory of 40 independent agents, accounting for $14 million in premium volume.
  • Managed phone calls with independent agents across the state to assist in any uncertainty on a policy.
  • Assisted independent agents with the marketing, selling, maintenance and education of Progressive Insurance.
  • Assist independent agents with the application process and advise if the risk would be acceptable.
  • Oversee more than 65 independent agents in the auto, home, and umbrella lines.
  • Managed and assigned territory of 37 independent agents accounting for 10 million in premium.
  • Managed and coached independent agents to ensure that they met profitability and growth targets.
  • Mentor Independent Agents on desired business within The Hartford's Target Market.
  • Attended State and National Conventions from Carriers and Independent Agents.
  • Build relationships and negotiate premium changes with our independent agents.
  • Managed a NV territory of independent agents.
  • Provide quotes for Independent Agents as well as direct communication with Company Underwriters.
  • Manage Porfolio and Profitability of Independent Agent's Personal Lines Books with Allied.
  • Transitioned the independent agent office to the Kansas City area from Grand Rapids..

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17. Motor Vehicle

average Demand
Here's how Motor Vehicle is used in Personal Lines Underwriter jobs:
  • Ordered consumer investigative reports, motor vehicle records.
  • Analyzed and evaluated motor vehicle reports, prior loss reports, and vehicle inspections for all new incoming customers.
  • Determine degree of risk from applicant financial standing and motor vehicle records.
  • Evaluate Motor Vehicle Records for drivers in accordance to DMV records.
  • Obtained and analyzed credit and motor vehicle reports.
  • Ordered motor vehicle records and clue report.
  • Reviewed motor vehicle reports to assist in determining risks.

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18. Action Plans

average Demand
Here's how Action Plans is used in Personal Lines Underwriter jobs:
  • Developed written portfolio management reports and action plans for joint implementation with sales to align with planning within assigned territory.
  • Provided sales-based action plans to agencies to improve their respective property and auto portfolios through on-site agency presentations.
  • Evaluated Individual Agents/Agencies and developed action plans to optimize profitability.
  • Performed analysis and implemented action plans on historically unprofitable agencies.
  • Assist portfolio underwriter in delivering profitability action plans to agents.
  • Designed and implemented action plans to manage profitability for agents.
  • Analyzed business segments to evaluate profitability and recommended action plans.
  • Implemented action plans producing excellent profitability results.
  • Participated profit improvement projects to target and track unprofitable agents, trends and implement non rate action plans.
  • Developed and reviewed Action Plans for agencies with negative profit/loss results between $250,000 and $500,000.
  • Partnered with the sales team to identify and address poor agency performance and institute action plans.
  • Analyzed profitability issues at the branch and agency levels, including action plans to improve results.
  • Worked with field operations to implement underwriting action plans for individual agents and state regions.
  • Created action plans for colleagues to increase quality to desired measurements.
  • Created and implemented action plans for unprofitable agents.
  • Identify trends within agencies and recommend action plans.
  • Implemented action plans which increased successfulness of poorly performing agencies.

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19. Insurance Applications

average Demand
Here's how Insurance Applications is used in Personal Lines Underwriter jobs:
  • Assisted customers, reviewed insurance applications, analyzed inspection results and made risk assessments to determine customer eligibility for homeowner policies.
  • Charged with evaluating property insurance applications and leveraged established underwriting tools and resources to make fair and equitable decisions on acceptability.
  • Reviewed client's insurance applications to determine final eligibility based on a variety of claims and driving experiences.
  • Utilized professional and technical expertise to review and analyze insurance applications from agents located in Northeast Illinois.
  • Reviewed home and automobile insurance applications within a timely manner.
  • Analyzed insurance applications submitted for eligibility and appropriate pricing.
  • Reviewed the eligibility and feasibility of client insurance applications.
  • Reviewed data on insurance applications for acceptance or declination.
  • Evaluated the profitability of personal lines insurance applications.
  • Analyze information in insurance applications to determine whether a risk is acceptable and will not result in a loss.
  • Reviewed insurance applications to evaluate, classify, and rate high valued homes and vacant homes for insurance.
  • Reviewed insurance applications to evaluate, classify and rate individual and groups for insurance.
  • Reviewed new insurance applications to ensure that they were viable policies for the business.
  • Create insurance applications and binders requested by insureds, and contracting agents.
  • Evaluated insurance applications and determined approval, coverage months, and premiums.
  • Reviewed personal lines insurance applications for risk and insurability.
  • Reviewed insurance applications and inspection reports to evaluate, classify, and rate Personal Lines policies of insurance.

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20. Risk Selection

average Demand
Here's how Risk Selection is used in Personal Lines Underwriter jobs:
  • Risk selection process for personal automobile and homeowners insurance lines; develop and maintain agency relationships.
  • Determined profitable risk selection while educating agencies on our target market and eligibility guidelines.
  • Maintained risk selection integrity by analyzing and processing involved policy service transactions.
  • Applied excellent quality underwriting and risk selection on business quoted.
  • Risk Selection and rating to determine coverage limitations or restrictions.
  • Report generation to management regarding risk selection.
  • Managed risk selection for Affinity Business in the states of Florida, Minnesota, and New York.
  • Processed individual risk selections to determine if qualification meets the guidelines of the company.

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21. Profitable Business

average Demand
Here's how Profitable Business is used in Personal Lines Underwriter jobs:
  • Reviewed and analyzed existing reports and profitable measures to develop creative and profitable business recommendations for agency and market.
  • Facilitated marketing meetings with retail agencies via customer's customer appointments to solicit profitable business via our professional wholesalers.
  • Managed case and account underwriting policies of profitable business within a territory of exclusive or independent agencies.
  • Created profitable business opportunities and managed transactions within the Central Atlantic region.
  • Provide excellent service while maintaining a company underwriting discipline to ensure profitable business
  • Selected and retained profitable business in existing lines of insurance.
  • Develop relationships with Independent Agents to grow profitable business.
  • Conducted case and account underwriting to assure profitable business.
  • Collaborated with sales management to implement and drive profitable business
  • Provide account level review for profitable business exceptions.
  • Coached the personal lines underwriting staff to solicit profitable business via the company's national sales force of 176 appointed wholesalers.
  • Communicated with sales agents and staff to enhance efficiency of office practices and aid in the writing of profitable business.
  • Build and maintain professional relationships with independent agencies to continue to attract, develop, and maintain profitable business.
  • Worked closely with our independent agents to write profitable business.

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22. Umbrella Policies

average Demand
Here's how Umbrella Policies is used in Personal Lines Underwriter jobs:
  • Underwrite new business/renewals for automobile, property, personal articles and umbrella policies in accordance with individual state guidelines.
  • Participated on committee that created renewal consistent process for umbrella policies.
  • Evaluated new business, endorsements, cancellations and renewals for homeowner, automobile, watercraft and umbrella policies.
  • Manage the risk of home, auto and personal umbrella policies in the property and casualty segment.
  • Analyze office, contractors, workman's comp, commercial umbrella policies etc.
  • Underwrite insurance applications for auto, home and umbrella policies.
  • Handle high value Home and Umbrella policies.
  • Handled all high value umbrella policies.
  • Subject Matter Expert for personal lines specialty products: high value dwellings, high value watercraft and Umbrella policies.

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23. Special Projects

average Demand
Here's how Special Projects is used in Personal Lines Underwriter jobs:
  • Participated in special projects for senior leadership while providing superior customer service to agents and policyholders.
  • Prepared presentation material for corporate visits and insurance agency special projects.
  • Participated in special projects and provided input to management as respects to process improvement models and team building projects.
  • Traveled extensively, meeting agents, conducting seminars and working with Home Office on special projects.
  • Assigned to assist management with special projects, testing new systems and printing errors.
  • Assist with special projects and answer technical questions regarding underwriting policies and practices.
  • Completed special projects as assigned, including participation in the Agency Evaluation Review.
  • Mentored and trained the newer Underwriters and worked on Special Projects.
  • Handle state specific special projects as directed by the manager.
  • Participate in special projects and committees as assigned by management.
  • Handle special projects as requested by manager.
  • Work on special projects, as requested.
  • Completed underwriting audits on other underwriters Assist management in special projects as requested.
  • Worked on special projects focusing around claims relatedprojects; most of which have been self-initiated.
  • Worked on special projects and gave presentations/speeches.

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24. Risk Analysis

average Demand
Here's how Risk Analysis is used in Personal Lines Underwriter jobs:
  • Performed risk analysis on insurance applications, renewals, and endorsements in compliance with underwriting guidelines.
  • 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.
  • Performed risk analysis and identified solutions regarding process deficiencies.
  • Risk analysis of personal lines property and casualty applications.
  • Complete renewal risk analysis projects issued by management.
  • Risk Analysis: * Analyzed loss data and developed appropriate rates for new products and renewal business.
  • Performed quality risk analysis on both new and renewal business focusing on profit and growth.
  • Conducted in depth risk analysis by evaluating location, physical and moral hazards.
  • Manage the decision and risk analysis of loan documentation, Income calculation.
  • Completed risk analysis of new and existing business for profitable risk selection.
  • Completed risk analysis on large risks and large projects.

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25. Loss Control

average Demand
Here's how Loss Control is used in Personal Lines Underwriter jobs:
  • Review applications for insurance coverage, reports from loss control consultants, and other information to determine if application is acceptable.
  • Work seamlessly with colleagues in commercial insurance, loss control and claims.
  • Review loss control surveys and property valuations and make recommendations.
  • Analyze risk and make recommendations for loss control.
  • Evaluated Real Quest, MVRs, product guides, loss control reports, and prior carrier loss runs for individual policies.
  • Review loss control reports for acceptability and pricing.
  • Gather and analyze account information (loss information, driver information, financials, loss control reports, etc.)

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26. Company Standards

average Demand
Here's how Company Standards is used in Personal Lines Underwriter jobs:
  • Reviewed relevant underwriting and claims reports and take appropriate underwriting actions to ensure company standards are upheld and to maintain profitability.
  • File documentation for accounts that meet company standards and are within established positioned authority.
  • Maintain integrity of company standards by determining acceptability of insurance risks.
  • Interpreted policy coverage and assessed risk according to company standards.
  • Evaluated the potential risk, and accept, reject, or modify the policy according to the company standards.
  • Review home inspections daily, making sure the condition of the dwelling/property meets company standards.
  • Review, quote, and bind new business submission within company standards and systems.

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27. Profitable Book

average Demand
Here's how Profitable Book is used in Personal Lines Underwriter jobs:
  • Analyzed and reviewed lines of business to develop recommendations and assist agents in achieving and maintaining a profitable book.
  • Managed and maintained a profitable book of business in the North Carolina and Illinois territories.
  • Advised agency partners on how to manage growth and maintain a profitable book of business.
  • Created proposals to better assist agents in achieving and a profitable book of business.
  • Review existing accounts to ensure a profitable book of business.
  • Work with Agents to maintain a profitable book of business.
  • Negotiated with agents in regards to new business in order to maintain a profitable book of business.

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28. External Customers

average Demand
Here's how External Customers is used in Personal Lines Underwriter jobs:
  • Communicated with internal and external customers about basic underwriting guidelines, policies and marketing initiatives to service customer accounts.
  • Applied appropriate decision-making and problem solving methods for both internal and external customers.
  • Focused on providing extraordinary customer service to both internal and external customers.
  • Maintained excellent relationships with internal and external customers.
  • Communicate effectively with internal and external customers.
  • Analyzed, clarified, and resolved complex policy and account related questions from internal and external customers.

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29. Personal Umbrella

average Demand
Here's how Personal Umbrella is used in Personal Lines Underwriter jobs:
  • Analyzed and processed new business applications including personal auto, homeowners and personal umbrella lines of coverage.
  • Demonstrate technical expertise and product specific knowledge with experience handling homeowner and personal umbrella coverage.
  • Reviewed, evaluated, and processed new and renewal business for homeowners, personal umbrella, and dwelling fire accounts.
  • Reviewed personal lines, (auto, homeowners, personal umbrella, and inland marine).
  • Assisted in creation of West Virginia Personal Umbrella Liability UM/UIM handling procedures.
  • Worked in the Personal Umbrella Dept.
  • Conducted training webinars providing clear underwriting guidelines and expectations in writing Personal Umbrella Liability policies.

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30. Company Policies

low Demand
Here's how Company Policies is used in Personal Lines Underwriter jobs:
  • Determine appropriate premium according to guidelines as provided under company policies and current legislation.
  • Adhered to all related company policies and government regulations.
  • Maintained knowledge Company policies and Guidelines
  • Conduct meetings with underwriters to update them on the changes in procedures, guidelines and company policies.
  • Comply with federal, state and company policies, procedures and regulations.
  • Develop and maintain an understanding of company policies, updates in coverages, and state laws for 11 states.

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31. Personal Lines Policies

low Demand
Here's how Personal Lines Policies is used in Personal Lines Underwriter jobs:
  • Managed underwriting of personal lines policies for agents, consistently meeting profit goals.
  • Underwrite all types of personal lines policies.
  • Handled risk assessment on personal lines policies.
  • Received all application for personal lines policies.
  • Assisted the company in conversion to new underwriting software, organizing workflow Created change endorsements for personal lines policies

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32. Credit Reports

low Demand
Here's how Credit Reports is used in Personal Lines Underwriter jobs:
  • Evaluate Property 360 Value reports, customers credit reports, Motor Vehicle Reports (MVR) and Loss Run Reports.
  • Analyze inspection reports, location, risk, credit reports, motor vehicle reports, etc.
  • Approved policy changes and reviewed inspection and credit reports for acceptability to the company.
  • Performed background checks and credit reports for new policies and renewals.
  • Reviewed home inspection reports, motor vehicle reports and credit reports.
  • Check information received concerning risks: inspection reports, credit reports, producer's advices, etc.
  • Reviewed credit reports to assist in determining risks.
  • Reviewed credit reports from provided by TransUnion, Equifax, and Experian to ensure that credit standards met Wells Fargo guidelines.

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33. Risk Management

low Demand
Here's how Risk Management is used in Personal Lines Underwriter jobs:
  • Identified and analyzed trends to make recommendations for agency improvement by using risk management reports.
  • Applied company objectives through extensive agent and customer contact regarding profitability and risk management analysis.
  • Analyzed client activities and data to properly assess risk management and improve services.
  • Presented risk management solution in risk clinics on ways to reduce loss exposures.
  • Associate in Risk Management (ARM) will be completed in early 2014
  • Piloted Risk Management Specialist role for the Underwriting Department.

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34. New Business Submissions

low Demand
Here's how New Business Submissions is used in Personal Lines Underwriter jobs:
  • Correspond and gather additional information needed to assist the underwriter in the evaluation of new business submissions and renewal activity.
  • Communicated with independent insurance agents and policyholders in regard to new business submissions, policy endorsements, and billing.
  • Analyzed relevant information/underwritten new business submissions in accordance with company guidelines and underwriting authority limits.
  • Review new business submissions to determine eligibility based on company underwriting guidelines.
  • Increased New business submissions through Agency visits and written and verbal communications
  • Reviewed new business submissions for home, dwelling fire, auto, and umbrella lines of business for acceptability under guidelines.
  • Review new business submissions from agents to decide necessary action: approve, deny, or recommend changes prior to issuing.
  • Approved or declined new business submissions from agency force for home, auto, boats and other personal lines items.
  • Reviewed the agent s quality of their new business submissions and the profitability of their book of business.
  • Selected new business submissions for multiple lines of Personal Lines.
  • Reviewed new business submissions from assigned agencies in CT, MD, PA, VA, and DC.

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35. Data Entry

low Demand
Here's how Data Entry is used in Personal Lines Underwriter jobs:
  • Performed data entry and manipulation from an automated database, UYSYS system, by processing incoming business and verifying policy information.
  • Assisted agents in assuming a book of business from another company including data entry and rating.
  • Performed data entry within the USLI database and created spreadsheets using Microsoft Excel.
  • Perform computer data entry of quotations, binders and related support documents.
  • Process al info, key into system for data entry dept.

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36. Insurance Risks

low Demand
Here's how Insurance Risks is used in Personal Lines Underwriter jobs:
  • Reviewed eligibility guidelines to properly classify personal lines insurance risks.
  • Evaluated insurance risks in compliance with established underwriting policies, practices and standards.
  • Analyzed insurance risks and pricing them accordingly.
  • Displayed strong problem solving and negotiation skills in navigating complex insurance scenarios to determine eligibility of insurance risks.
  • Analyzed personal lines insurance risks for new business insurability using established underwriting guidelines and good judgment decisions.
  • Managed all workflow for a specific geographic territory in processing personal insurance risks.

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37. Profitable Growth

low Demand
Here's how Profitable Growth is used in Personal Lines Underwriter jobs:
  • Maintained strong relationships with key personnel at assigned agencies to encourage profitable growth.
  • Apply industry and underwriting knowledge to impact profitable growth and minimize loss ratios.

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38. Insurance Agencies

low Demand
Here's how Insurance Agencies is used in Personal Lines Underwriter jobs:
  • Managed 8 million dollar Indiana territory consisting of twenty independent field insurance agencies.
  • Managed, built, and maintained professional relationships with over 300 insurance agencies.
  • Worked very closely with Insurance Agencies for new business and maintaining current customers.
  • Cultivated and built long lasting relationships with insurance agencies and their staff.
  • Reviewed premiums, coverages, and acceptability with 52 insurance agencies in Iowa.

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39. Company Products

low Demand
Here's how Company Products is used in Personal Lines Underwriter jobs:
  • Market company products and services to participants in the agency management process to achieve company growth and profitability targets.
  • Managed a highly complex book of business while developing agency partnerships through training on company products, processes and underwriting standards.
  • Marketed company products and services by working with agencies to identify needs and create or source valuable solutions.
  • Train and educate client/agency staff on company products, services, processes, and underwriting philosophy.
  • Market company products and services to the agents to achieve company growth and profitability targets.
  • Visited new agents to familiarize them with the company products, procedures and guidelines.
  • Trained and informed agents on how to best utilize the company products and programs.
  • Explained company products, endorsements and policies to agents.
  • Worked with marketing to promote company products.
  • Develop and maintain an understanding of company products, pricing and coverages in all states where Hastings Mutual does business.

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40. New Business Applications

low Demand
Here's how New Business Applications is used in Personal Lines Underwriter jobs:
  • Applied Louisiana Citizens rules and underwriting guidelines in order to determine final approval or denial of new business applications.
  • Evaluated new business applications and renewal policies for acceptance, modification or denial in accordance with internal underwriting guidelines.
  • Reviewed new business applications, renewals and endorsements for acceptability using established company underwriting guidelines.
  • Review new business applications, renewals, and endorsements within specific underwriting guidelines.
  • Reviewed and issued new business applications submitted by independent agents and brokers.
  • Review new business applications for eligibility based on guidelines and standards.
  • Reviewed new business applications for determination of risk quality and acceptability.
  • Reviewed new business applications for risk assessment.
  • Evaluated new business applications for acceptability.
  • Review New Business applications, policy changes, reinstatement, cancellation requests for our Citizens Property Insurance Corporation client.
  • Reviewed new business applications for several states to determine if they were acceptable to the company guidelines.
  • Reviewed new business applications and renewal business to evaluate degree of risk posed to the company.
  • Reviewed new business applications and renewal business to determine the degree of risk involved.
  • Modified new business applications to ensure proper rates.
  • Researched claims and third party investigative reports to determine eligibility and chargeability for new business applications.
  • Reviewed/analyzed new business applications, changes, non-renewals, and reinstatements.
  • Key Results: Evaluate and process new business applications for auto, garage liability, homeowners and light auto commercial insurance.
  • Reviewed and analyzed new business applications, changes, non-renewals, and reinstatements using underwriting guidelines and State Insurance codes.
  • Underwrite Multi-Peril new business applications, endorsements, reinstatements, cancellations, and high value policies.
  • Processed new business applications,auto,taxi,limo,public trans,tow truck & garage.

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41. Policy Holders

low Demand
Here's how Policy Holders is used in Personal Lines Underwriter jobs:
  • Developed agents book of business to retain policy holders while providing cost effective recommendations.
  • Contacted existing policy holders to account round their homeowners insurance/personal umbrella insurance.
  • Entered endorsements to current policy holders.
  • Provided timely, courteous and efficient service to producers and policy holders Conducted agency reviews and reports.
  • Correspond with Agents, Leinholders and policy holders regarding insurance inquiries.
  • Answered questions from agents and policy holders regarding coverags.
  • Change dates for policy holders, contact agents .

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42. Renewal Retention

low Demand
Here's how Renewal Retention is used in Personal Lines Underwriter jobs:
  • Presented quarterly underwriter performance, new policy acceptance and renewal retention data.
  • Achieved renewal retention, rate increases and new business production goals.
  • Maintained large new business and renewal retention Obtained Arizona Producers License.
  • Achieved an average renewal retention ratio of more than 75% with an average of 90 renewal polices per month.

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43. New Agents

low Demand
Here's how New Agents is used in Personal Lines Underwriter jobs:
  • Aided in agency production, appointment of new agents to the company.
  • Trained new agents in auto and homeowner rules and coverage's.
  • Conducted trainings and presentations for new agents and at district meetings.
  • Repaired relationships with long-standing agents Prepared detailed Five Year Large Loss Analysis for senior management Created training pamphlet for new agents
  • Discussed Kemper coverages with former Trinity agents in detail to broaden understanding for new agents.

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44. Claims History

low Demand
Here's how Claims History is used in Personal Lines Underwriter jobs:
  • Reviewed and analyzed applications and inspections for eligibility based on underwriting guidelines, claims history, and other risk characteristics.
  • Evaluated all new applications, claims history and existing business for policy and risk compliance for field agents in multiple zones.
  • Make account-based decisions based on policyholder's tenure, number of accounts, claims history and long-term performance indicators.
  • Ordered and reviewed driving/claims history, and home owner inspections.
  • Scheduled training room, ordered the claims history database reports called Comprehensive Loss Underwriting Exchange (C.L.U.E.)

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45. Proper Classification

low Demand
Here's how Proper Classification is used in Personal Lines Underwriter jobs:
  • Ensured adequate pricing of individual risks through proper classification, accuracy of information and adherence to company underwriting standards and philosophy.
  • Determine proper classification and acceptability of insurance risks.
  • Selected, rejected, modified, and applied proper classification/pricing of risks per the company standards.
  • Verified rating information to ensure proper classification.

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46. Risk Assessments

low Demand
Here's how Risk Assessments is used in Personal Lines Underwriter jobs:
  • Provided positive communications with agents and internal staff to collect necessary information to perform risk assessments.
  • Performed risk assessments on assigned agency partners using financial reports and claims history.
  • Proposed coverage modifications to align policies with risk assessments.
  • erformed risk assessments, endorsement and pricing for all lines of new and renewal commercial insurance business.

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47. Independent Agencies

low Demand
Here's how Independent Agencies is used in Personal Lines Underwriter jobs:
  • Managed assigned underwriting territory for Pennsylvania personal lines insurance policies for exclusive Nationwide agencies and independent agencies.
  • Consulted with independent agencies to ensure profitability.
  • Review each new policy for eligibility and remain in contact with independent agencies while working to approve a new policy.
  • Establish and maintain relations with independent agencies and participate in and monitor agency training and business trends.
  • Reviewed individual risks submitted by independent agencies in the state of Georgia.
  • Managed a profitable book of personal lines products and independent agencies.
  • Marketed products and services to independent agencies introducing new products and encouraging usage of company products.

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48. Residential Properties

low Demand
Here's how Residential Properties is used in Personal Lines Underwriter jobs:
  • Work in compliance with underwriting guidelines, and policies for commercial & residential properties.

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49. Chubb

low Demand
Here's how Chubb is used in Personal Lines Underwriter jobs:
  • Act as a mentor for underwriting trainees; educating them on Chubb and evaluating their work.
  • Provided informative assessments for high wealth individuals regarding Chubb s coverage and service.
  • Selected by the Branch Manager to attend Chubb Business School in 2002.
  • Promote and market the Chubb advantage through communication with clients.
  • Presented webcasts to assist agents in developing their knowledge to become better advocates for Chubb.
  • Work with Safeco, Scottsdale, National Casualty, American Reliable, Hudson, Besso & Chubb to secure quotes.

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50. Appropriate Action

low Demand
Here's how Appropriate Action is used in Personal Lines Underwriter jobs:
  • Review new and existing personal lines accounts to determine acceptability and execute appropriate action.
  • Reviewed claims activity daily and take appropriate action when necessary.
  • Analyzed portfolio profitability and developed appropriate action plans.
  • Order, review, and take appropriate action on investigation reports including MVR, CLUE, and Lexis Nexis.
  • Recommended appropriate action plans in response to loss trends, regulatory restrictions, and competitive forces.
  • Ordered, analyzed, and took appropriate action on investigation reports.
  • Ordered and reviewed property inspections, taking the appropriate action.

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20 Most Common Skill for a Personal Lines Underwriter

Personal Lines Business17.7%
Insurance Policies14.7%
Auto Insurance11.6%
Customer Service10.2%
Underwriting Territory8.1%
Underwriting Guidelines6%
Loss Ratio4.6%
Company Underwriting Guidelines3.9%

Typical Skill-Sets Required For A Personal Lines Underwriter

RankSkillPercentage of ResumesPercentage
1
1
Personal Lines Business
Personal Lines Business
13.8%
13.8%
2
2
Insurance Policies
Insurance Policies
11.5%
11.5%
3
3
Auto Insurance
Auto Insurance
9%
9%
4
4
Customer Service
Customer Service
8%
8%
5
5
Underwriting Territory
Underwriting Territory
6.3%
6.3%
6
6
Underwriting Guidelines
Underwriting Guidelines
4.7%
4.7%
7
7
Loss Ratio
Loss Ratio
3.6%
3.6%
8
8
Company Underwriting Guidelines
Company Underwriting Guidelines
3%
3%
9
9
Homeowner
Homeowner
2.9%
2.9%
10
10
Insurance Agents
Insurance Agents
2%
2%
11
11
Insurance Companies
Insurance Companies
1.5%
1.5%
12
12
Policy Changes
Policy Changes
1.4%
1.4%
13
13
New Business Policies
New Business Policies
1.4%
1.4%
14
14
Phone Calls
Phone Calls
1.4%
1.4%
15
15
Inspection Reports
Inspection Reports
1.3%
1.3%
16
16
Independent Agent
Independent Agent
1.3%
1.3%
17
17
Motor Vehicle
Motor Vehicle
1.3%
1.3%
18
18
Action Plans
Action Plans
1.3%
1.3%
19
19
Insurance Applications
Insurance Applications
1.2%
1.2%
20
20
Risk Selection
Risk Selection
1%
1%
21
21
Profitable Business
Profitable Business
1%
1%
22
22
Umbrella Policies
Umbrella Policies
1%
1%
23
23
Special Projects
Special Projects
1%
1%
24
24
Risk Analysis
Risk Analysis
0.9%
0.9%
25
25
Loss Control
Loss Control
0.9%
0.9%
26
26
Company Standards
Company Standards
0.9%
0.9%
27
27
Profitable Book
Profitable Book
0.8%
0.8%
28
28
External Customers
External Customers
0.8%
0.8%
29
29
Personal Umbrella
Personal Umbrella
0.8%
0.8%
30
30
Company Policies
Company Policies
0.8%
0.8%
31
31
Personal Lines Policies
Personal Lines Policies
0.8%
0.8%
32
32
Credit Reports
Credit Reports
0.8%
0.8%
33
33
Risk Management
Risk Management
0.8%
0.8%
34
34
New Business Submissions
New Business Submissions
0.7%
0.7%
35
35
Data Entry
Data Entry
0.7%
0.7%
36
36
Insurance Risks
Insurance Risks
0.7%
0.7%
37
37
Profitable Growth
Profitable Growth
0.7%
0.7%
38
38
Insurance Agencies
Insurance Agencies
0.7%
0.7%
39
39
Company Products
Company Products
0.7%
0.7%
40
40
New Business Applications
New Business Applications
0.7%
0.7%
41
41
Policy Holders
Policy Holders
0.6%
0.6%
42
42
Renewal Retention
Renewal Retention
0.6%
0.6%
43
43
New Agents
New Agents
0.6%
0.6%
44
44
Claims History
Claims History
0.6%
0.6%
45
45
Proper Classification
Proper Classification
0.6%
0.6%
46
46
Risk Assessments
Risk Assessments
0.6%
0.6%
47
47
Independent Agencies
Independent Agencies
0.6%
0.6%
48
48
Residential Properties
Residential Properties
0.6%
0.6%
49
49
Chubb
Chubb
0.5%
0.5%
50
50
Appropriate Action
Appropriate Action
0.5%
0.5%

8,073 Personal Lines Underwriter Jobs

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