Frank Winston Crum Insurance · 15 hours ago
Commercial Lines Underwriter
Clearwater, FL
Full-time
Onsite
Mid Level
3+ years expFrank Winston Crum Insurance is a leading provider of Workers’ Compensation and General Liability policies, committed to delivering flexible coverage options to businesses. The Commercial Lines Underwriter will be responsible for acquiring, developing, and maintaining profitable commercial lines accounts, while providing guidance and support to new hires and junior underwriters.
Insurance
Responsibilities
Provides guidance and serves as mentor to new hires, Underwriting Assistants, and Junior Underwriters
Reviews beyond individual account transactions and manages assigned agents / book of business to achieve new business, renewal retention, and loss ratio objectives in support of Strategic Planning Initiatives
Reviews new business application information, including STPs for completeness including verification that the exposure submitted is covered within FWCI Underwriting Guidelines
Coordinates with internal and external representatives, agents, and their assistants to obtain complete submission information to include but not limited to gathering missing details, clarify any inconsistencies, and validation of third-party information
Assembles information, analyzes loss experience, financial conditions, and physical characteristics of risks, develops recommendations, and clearly expresses decisions using sound reasoning and judgement in accordance with FWCI Underwriting Guidelines and established rating rules and regulations. Decides whether to approve, deny, or modify insurance policies based on risk assessment and set appropriate premiums, coverage, and deductible limits
Maintains accurate and detailed records of underwriting decisions and assessments. Ensure compliance with documentation standards and procedures
Communicates effectively and respond to agent / external representatives’ inquiries regarding risk eligibility, underwriting appetite, new business, renewals, endorsements, rate changes, coverages, limits of insurance, and system navigation through verbal and/or written means
Supports Business Development Team by participating in telephone, video and in person meetings with agent personnel
Collaborates with other departments, such as claims and marketing, to ensure a coordinated approach to risk management
Reviews audit underwriting alerts to determine what actions and/or adjustments, if any, must be made to the current and expired policies
Reviews Loss Control and Injury Reports that have been completed by the FWCI Risk Management Department and responds with recommendations in accordance with FWCI underwriting guidelines
Reviews existing policies during renewals and endorsements and assesses if any modifications are necessary. Adjust premiums and coverage based on changes in risk factors
Qualification
Required
A minimum of three (3) years prior experience in commercial insurance to include agency and/or underwriting
High school diploma or equivalent
Preferred
An associate degree in Accounting, Finance, Management, Business Administration, a related field, or equivalent experience
Workers' Compensation And Commercial General Liability Experience Desired
Benefits
Health Insurance is zero dollar paycheck cost for employee's coverage and $195 a month for family!
Dental and Vision Insurance
Short Term Disability and Term Life Insurance at no cost to the employee
Long Term Disability and Voluntary Term Life Insurance
Supplemental insurance plans such as Accidental, Critical Illness, Hospital Indemnity, Legal Services and Pet Insurance
401(k) Retirement Plan where FrankCrum matches 100% of the first 4% the employee contributes, and the employee is immediately vested in the employer match
Employee Assistance Program at no cost to the employee
Flexible Spending Accounts for Medical and Dependent Care Reimbursement
Health Savings Account funded by FrankCrum
Paid time off and holiday pay
Education reimbursement
PTO cash out
Tickets at Work
Access to the Corporate America Family Credit Union
Employee and client referral bonus programs
Disaster Relief Fund for Employees
Company
Frank Winston Crum Insurance
Frank Winston Crum Insurance is a commercial insurance carrier that specializes in providing workers’ compensation & liability insurance.
51-200 employees
Funding
Current Stage
Growth StageLeadership Team
Jonathan Gerdes
Chief Claim Officer
Scott Mackey
Chief Underwriting Officer
Recent News
Frank Winston Crum Insurance
2025-09-30
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