Personal Lines Insurance Underwriter

If you have strong analytical skills, sound judgment, and a passion for evaluating risk, we invite you to join Rural Mutual Insurance as a Personal Lines Underwriter. You'll play a key role in supporting our agency partners, assessing personal lines risks, and contributing to profitable portfolio growth. This position offers a hybrid work schedule after the completion of onboarding and training.

At Rural Mutual Insurance, we offer a supportive work environment, career growth opportunities, and a comprehensive compensation package that includes health, dental, and vision insurance, a matching 401(k), and generous time off. We’ve earned consistent recognition as a Madison Magazine Best Places to Work and an A+ AM Best financial strength rating. If you're ready to be part of a team that values your expertise and encourages your professional growth, apply today!

Compensation:

$60,000 - $65,000 per year

Responsibilities:

• Evaluate and underwrite Personal Auto and Homeowners risks, determining acceptance, modification, or rejection in accordance with company underwriting guidelines, authority levels, and regulatory requirements.
• Review and assess exceptions submitted by agents, making sound underwriting decisions on risks that fall outside standard guidelines.
• Analyze and process policy change requests to ensure continued compliance with underwriting standards and eligibility requirements.
• Evaluate underwriting alerts, claims activity, and other risk-related information to determine appropriate renewal actions and risk management outcomes.
• Provide timely, professional service by responding to agent and customer inquiries via phone, email, and written correspondence.
• Exercise sound judgment in underwriting decisions while adhering to established procedures, underwriting authority, and departmental service standards.
• Maintain accurate documentation and records to support underwriting decisions and ensure compliance with company policies.
• Perform other duties and projects as assigned.

Qualifications:

• 2+ years of Personal lines underwriting experience is highly preferred.
• Associate degree or equivalent from a two-year college or technical school or equivalent experience preferred.
• Strong verbal and written communication skills.
• Excellent attention to detail, with the ability to effectively prioritize, multitask, and make sound decisions.
• Demonstrated analytical, critical thinking, and problem-solving abilities.
• Proven ability to work collaboratively in a team environment while also managing responsibilities independently.
• Self-motivated with a strong sense of accountability and initiative.
• Proficient in Microsoft Office applications and other computer-based business systems.
• Additional education in insurance or other industry-related coursework is preferred. Interest in pursuing additional education in the insurance industry.
• Bilingual abilities (Spanish, Hmong, etc.) a plus.
• Must maintain a primary residence and work location in Wisconsin and be authorized to perform all job duties within the state, consistent with company operational and compliance requirements.

About Company

What You'll Love About Rural Mutual Insurance:

We are a leading property and casualty insurance company based in Wisconsin, well known for our financial strength and longevity in the insurance industry. Our reputation in the marketplace ensures stability and opens up numerous growth opportunities for our employees.

We created a welcoming place to work with friendly and professional leadership. We are known for the great care we take with our staff, our agents, and our customers. We are passionate and determined about delivering the best customer service, preserving insurance industry knowledge, and making a difference through the work that we do.

We believe in a healthy work/life balance and, to that end, offer a competitive and comprehensive compensation package including health, dental, life, LTD, and vision insurance as well as an employee bonus plan, matching 401(k) plan, and generous time off benefits. Rural Mutual is an Equal Opportunity employer.