Atain Insurance Companies · 1 day ago
Personal Lines Underwriter
US-NC-Morehead City
Full-time
Onsite
Mid, Senior Level
2+ years expBurns & Wilcox is North America’s leading wholesale insurance broker and underwriting manager, seeking a Personal Lines Underwriter. This role is responsible for evaluating and analyzing personal lines renewal business, ensuring decisions align with underwriting guidelines and profitability goals while managing agent relationships and cross-sell opportunities.
FinanceFinancial ServicesInsurance
Responsibilities
Underwrite and assess personal lines renewal accounts, reviewing risk factors such as property inspections, claims history, credit‑based insurance scores (where permitted), and exposure changes
Determine appropriate pricing, coverage, deductibles, and conditions based on risk quality and underwriting authority
Utilize underwriting platforms, rating tools, and internal guidelines to support accurate and timely decision‑making
Identify risks requiring additional review, inspections, or escalation to senior underwriters
Manage a renewal book of business to achieve retention, rate adequacy, and profitability targets
Monitor trends within the portfolio and recommend underwriting actions when needed to maintain performance
Ensure timely handling of renewals, documentation, and policy issuance
Collaborate with agents to clarify risk information, obtain missing details, and negotiate renewal terms
Provide underwriting insight and support to help agents understand risk decisions and product options
Build strong, effective working relationships to enhance submission quality and renewals
Evaluate renewal accounts to identify opportunities to cross‑sell additional personal lines products such as umbrella, inland marine, or personal articles
Collaborate with product specialists and internal teams to confirm eligibility, pricing, and product fit
Discuss cross‑sell opportunities with agents and support them in presenting solutions to customers
Track cross‑sell activity and outcomes as part of portfolio development
Ensure underwriting practices comply with regulatory requirements and internal policies
Maintain detailed, accurate documentation of underwriting decisions and communication notes
Keep underwriting and policy systems updated with current data and decisions
Partner with claims, actuarial, product, and customer service teams to support informed underwriting outcomes
Participate in ongoing training to enhance expertise in personal insurance products, trends, and risk factors
Stay current on emerging risks and market conditions within the personal lines space
Qualification
Required
Bachelor's degree in Business, Finance, Insurance, or related discipline; or equivalent experience
Typically 2–5+ years of personal lines underwriting or related experience
Strong analytical skills with the ability to assess and interpret personal risk characteristics
Excellent interpersonal and communication abilities when working with agents and internal partners
Sound judgment and decision‑making skills within underwriting authority
Proficiency with underwriting and rating systems; strong Microsoft Office skills
Strong organization, troubleshooting, and time‑management skills
Preferred
Progress toward or completion of professional designations (AINS, API, CPCU) preferred
Company
Atain Insurance Companies
Atain is an “A” rated (Excellent by AM Best) property and casualty insurance company that offers a broad range of property, casualty, professional liability and personal insurance products in the excess & surplus (E&S) market.
1001-5000 employees
Funding
Current Stage
Late StageLeadership Team
Michael Martin
Senior Vice President, Treasurer and Chief Financial Officer
Joshua Hunegs
Chief Investment Officer
Recent News
2023-05-22
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