Job Description

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About Us

Element Insurance is a growing company operating in an interesting and challenging segment of the insurance industry. We pride ourselves on being a modern, forward-thinking brokerage that values teamwork, professionalism, and continuous growth. We are seeking a talented

Personal Lines Underwriter

to join us in supporting our brokers and clients through efficient, precise, and client-centered underwriting practices.

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Key Responsibilities

As a Personal Lines Underwriter, you will perform a full range of policy underwriting functions related to Personal Insurance. This includes liaising between brokers, producers, and carrier underwriters while ensuring high-quality service and compliance.

Core Duties:

Administer and monitor underwriting rules, rating manual rules, and insurance laws/regulations to underwrite and document new and renewal policy transactions within authority. Evaluate, classify, and rate risks to determine acceptability, coverage, and pricing according to underwriting requirements. Review applications and paperwork for accuracy, ensuring all required signatures and information are complete before processing. Order, review, and take action on required reports, endorsements, and service requests. Analyze individual risk pricing for new business and renewals, ensuring competitiveness and alignment with underwriting standards. Communicate with brokers to gather necessary information, clarify coverage details, and address underwriting issues. Underwrite new business, renewals, and endorsements by assessing risk and loss potential. Maintain service levels and performance targets, while actively planning for improvement with leadership. Contribute to continuous process improvement and uphold accurate documentation of underwriting decisions. Determine eligibility for policy renewals based on company guidelines and retention objectives. Communicate underwriting decisions promptly and professionally. Understand and apply rating procedures, wordings, underwriting policies, and compliance regulations. Handle work efficiently, support team goals, and maintain positive working relationships internally and externally. Perform additional duties as assigned.
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Qualifications & Experience

Education:

High School Diploma/GED required; some college or related coursework preferred.

Experience:

1-3 years of relevant underwriting or insurance experience.

Technical Skills:

+ Proficiency with

EPIC

and

Applied Rater

is required.
+ Strong computer literacy and familiarity with insurance management systems.

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Knowledge, Skills, and Attributes

Strong written and verbal communication skills. Exceptional attention to detail and organizational ability. Ability to work both independently and collaboratively within a team environment. High level of professionalism, integrity, and accountability. Receptive to feedback, adaptable to change, and motivated toward continuous learning. Ability to work effectively under pressure and manage tight deadlines. Commitment to excellence and adherence to company and regulatory standards. * Positive, team-oriented attitude with a focus on collaboration and mutual success.