Personal Lines Underwriter

The salary range for this job posting is $48,024.00 - $96,379.00 annually + bonus + benefits

The above represents the salary range for this job requisition. Ultimately, in determining your pay and job title, we'll consider your location, education, experience, and other job-related factors. Your recruiter can share more information about the specific salary range during the hiring process.

We may hire at different levels for this Personal Lines underwriting role depending on the candidate's background and experience. The listed salary range is inclusive of all levels.

While the ideal candidate will work a hybrid schedule out of our Columbus, Ohio office, we will consider candidates who reside and work from home in the listed states. The underwriter will also be assigned to service agencies in one of or more of the five states below:

• Ohio
• West Virginia
• Pennsylvania
• Kentucky
• Indiana

The role will report to a Regional Vice President, Personal Lines.

Are you a Referral?

If you know a current Encova Insurance associate and would like to apply as a referral, please encourage them to submit your referral information before you submit your application. You will receive an email with a direct URL link to the Job Posting of interest. Applying through this URL link will create your referral relationship for our Talent Acquisition Team.

Unique residence requirements are listed in each job posting, please review closely for details.

Encova is only able to employ associates who reside and work within specific U.S. states. Our current policies are based on the laws in states in which we are registered for payroll. Our current footprint includes:

Connecticut, Delaware, Florida, Georgia, Illinois, Indiana, Iowa, Kansas, Kentucky, Maryland, Massachusetts, Michigan, Minnesota, Missouri, Nebraska, New Hampshire, New Jersey, North Carolina, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, West Virginia, Wisconsin.

JOB OBJECTIVE:

The Personal Lines Underwriter is responsible for managing an assigned territory by growing a profitable book of business.  This position builds strong relationships with our agency partners and provides them with timely service and expertise on risk selection and book management.  This role is responsible for ensuring Encova’s risk appetite, underwriting guidelines and philosophies are maintained while minimizing loss potential for the company through proper risk selection while retaining a quality book of business.

ESSENTIAL FUNCTIONS: 

• Make decisions on new business acceptability when outside of underwriting guidelines, but within your letter of authority, and clearly document your rationale and thought process
• Utilize available policy endorsements, coverage exclusions, and deductibles at their discretion to select and manage exposures and pricing of risks
• Evaluate exposures and use discretionary judgement to determine continued risk acceptability and solution for risk management concerns identified to ensure long-term profitability
• Work with agency partners on a portfolio basis and look for opportunities to improve book performance and prevent premium leakage
• Monitor and analyze agency performance using agency profiles and Tableau reports to drive production to meet established new business, retention, and profitability goals 
• Plan and conduct regular agency visits in assigned territory to develop and promote profitable personal lines growth opportunities, build relationships, and solve problems
• Work with Personal Lines Territory Managers and Agency Managers to develop specific strategies at an agency level to achieve targeted growth and profit goals
• Improve automated risk selection by identifying gaps and recommending refinements to our automated underwriting rules
• Provide input to drive and implement strategic underwriting initiatives
• Assist with the development and presentation of onboarding and continued training programs for agencies
• Ability to travel and meet with customers in your assigned territory

OTHER FUNCTIONS: 

• Monitor assigned agents and develop strategies to address issues including corrective actions for growth and profit targets not met
• Develop a thorough knowledge of agency operations at an individual agency level within assigned territory
• Maintain a working knowledge of personal lines insurance statutes in assigned territory
• Interact collaboratively with business partners including customer service, claims, sales, compliance and actuarial
• Develop additional subject matter expertise in underwriting to improve our capabilities as an underwriting organizatio