Commercial Lines Underwriter

Job Description
COMPANY INFORMATION:

Iowa-based United Fire Group recognizes its agents as one of the key components of our company and sells through more than 1,300 independent agencies. But without our employees, we wouldn’t be able to offer the customer service and commitment to our agents and policyholders that we have today. We are licensed in 43 states and represented by professional independent insurance agents writing personal and commercial property and casualty insurance, life insurance, annuities and surety bonds. We employ more than 800 individuals throughout our offices in California, Colorado, Iowa (home office), Louisiana, New Jersey, Pennsylvania and Texas.

JOB SUMMARY:
Manage a commercial underwriting territory of $4 to $10 million. Work hard to attain positive results (premium growth and acceptable loss ratios) through sound risk selection, developing strong relationships with agency personnel, and providing a quality product combined with excellent service. Provide training to new employees as needed. Serve as a resource mentor when needed to Associate Underwriters and Trainees, approve risks within your authority for Associate Commercial Lines Underwriters, develop and facilitate training sessions per branch needs and for the for Producer School & Underwriter Trainee Program.

ESSENTIAL JOB FUNCTIONS:


Evaluate coverages. Review applications, endorsement requests and renewals for limits and coverages requested.

Information gathering and managing a book of business. Ask good questions when agent inquires if risk is acceptable. Select critical information needed. Review daily claims sheet.
Work with marketing to monitor production and loss ratio for each agency.

Pricing of risk. Insure risk is properly classed. IRPM’s, experience rating of judgment rates when necessary. Place risk in the proper program. Review renewals.

Negotiation skills. Work with agents and csr’s to obtain a saleable program for the agent/insured while avoiding adverse selection against the company.

Marketing/Coaching/Training. Regular visits made to agencies. Quote additional coverages. Participate in agency reviews. Provide guidance and coaching to others. Certify policies. Recommend coverages, rate changes and provide feedback to management on what is happening in the marketplace, agencies and competition.

QUALIFICATIONS:

Four-year college degree preferred. Must have or be working toward your AU (Associate in Underwriting) designation. Two – five years commercial lines underwriting experience, risk evaluation skills, solid insurance contract knowledge, effective communication skills, good negotiation skills and excellent human relations skills.

EQUAL OPPORTUNITY EMPLOYER:
United Fire Group has a policy to provide equal opportunity for all. We continue to take positive action to recruit, hire, train, transfer and promote persons in all job categories based on the individual’s ability to perform the job and without regard to race, color, religion, creed, sex, age, national origin, sexual orientation, disability or genetics.

Company

United Fire Group

Job Code

State or Province

Iowa

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