Personal Lines Underwriter

Job not on LinkedIn

🕒 June 26

🚗 Michigan – Remote

🚗 Michigan – Remote

💵 $24 - $33 / hour

⏰ Full Time

🟡 Mid-level

🟠 Senior

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AAA

WebsiteLinkedInAll Job Openings

5001 - 10000 employees

Founded 1902

🚘 Automotive

🛡️ Insurance

📦 Logistics

Automotive • Insurance • Logistics

AAA is a federation of affiliated automobile clubs, offering various travel-related services and products primarily for its members. It provides emergency roadside assistance, travel planning tools, and member discounts both domestically and internationally. Each club operates independently within its own geographical area, serving its local members while adhering to AAA's overarching standards. AAA also sells travel products like maps and guides, offering resources to assist with international travel. The organization facilitates a network where membership benefits, such as global discounts and emergency services, are extended to international members traveling in the United States and vice versa.

📋 Description

• Works under minimal supervision with an intermediate-level approval authority to review, accept, reject or modify new and renewal business for moderately complex to complex Personal Lines policies while ensuring a profitable personal book of business. • Reviews risk acceptability to make objective decisions based on underwriting guidelines; ensuring standards for state compliance regulations are met. • Uses creativity and underwriting knowledge to manage risks and retain business. • Refers the most complex or higher-level coverage reviews to senior staff or Supervisor. • Builds and maintains ongoing relationships with agents with the goals of: educating agents on underwriting philosophy, providing updates on changes to products, services, processes and procedures, communicating compliance related concerns and discussing quality of submissions. • Activities include: receiving inbound calls from agents, making outbound calls to agents, and traveling to agent offices. • Reviews loss ratios and growth for agents when evaluating and making agency exceptions. • Works with agents to correct errors. • May change deductibles, increase premiums, cancel policies or recommend that an agent receive additional training or counseling when necessary. • Reports non-compliant or unethical agent behavior. • Partners with Agency Performance Management team and Territory Managers to identify trends and patterns that might create problems. • Collaborates with underwriting operations, sales, claims, and other business units to make recommendations regarding products, systems, and performance as appropriate. • May assist in the training/mentoring of less experienced staff. • May participate in special project teams and department initiatives.

🎯 Requirements

• College level coursework in Business Administration or a related field, or equivalent work experience • Working in an underwriting or sales environment to include independent agencies • Analyzing, problem solving and making sound decisions • Negotiating and resolving conflict • Demonstrating proficiency with Microsoft Office software applications • Knowledge of underwriting policies, procedures and practices • Property and casualty insurance terminology, contracts and forms • State insurance regulations and practices • Inspection techniques related to property and casualty insurance • Insurance processing systems (i.e., IPM, Sales & Service Portal, PCMS or similar) • Quantitative measurements (loss ratio, production and profitability) • Fair Credit Reporting Act as it relates to insurance • Ability to evaluate, accept, modify, reject or cancel personal lines risks in accordance with the underwriting guidelines • Ability to evaluate third party documentation to determine the level of risk to which the Company will be exposed • Build, maintain and manage producer and customer relationships • Collaborate and communicate effectively both verbally and in writing with key business partners • Identify and report non-compliant or unethical agent behavior • Work under pressure with a strong attention to detail, completing tasks by taking decisive or quick action • Prepare and present unit activity reports and recommendations to management.

🏖️ Benefits

• 401k Match • Medical • Dental • Vision • PTO • Paid Holidays • Tuition Reimbursement