Job Summary:

The Property and Casualty Insurance Underwriter will assess property and casualty risks to determine appropriate costs, terms, and parameters to insure the property.

Supervisory Responsibilities:

• None.

Duties/Responsibilities:

• Reviews insurance applications, loss control reports, and actuarial studies to determine acceptable risk for selected property.
• Reviews accident and claims history, property value, and other factors to assess risk.
• Estimates loss potential from catastrophes, accounting for severity and frequency of potential losses.
• Makes recommendations based on appraisals and estimated risk including recommendations to deny coverage when necessary.
• Underwrites policies for property and casualty loss, workers compensation coverage, products liability, and other purposes.
• Prepares quotes and reports for agents.
• Answers inquiries from policyholders, prospects, and/or agents.
• Assists agents with the application process.
• Recommends and implements changes to underwriting policies and procedures.
• Performs other related duties as assigned.

Required Skills/Abilities:

• Strong analytical, research, and problem-solving skills.
• Understanding of laws, guidelines, and best practices of insurance.
• Proficient with Microsoft Office Suite or related software.

Education and Experience:

• Bachelors degree in Business Administration, Accounting, or related field required.
• One to three years of related experience required.
• Chartered Property Casualty Underwriter (CPCU) status or equivalent certification required.

Physical Requirements:

• Prolonged periods sitting at a desk and working on a computer.
• Must be able to lift up to 15 pounds at times.