Underwriter

Job Summary:

The Underwriters review, evaluate, and rate insurance applications and renewals. They evaluate the degree of risk involved and determine the appropriate course of action. They also establish good relations with assigned agents and maintain acceptable service standards.

Essential Duties and Responsibilities:

• Uses available data to make decisions on individual risks submitted as new business within underwriting authority.
• Reviews requests for cancellations, endorsements, reinstatements, etc.
• Reviews inspections for eligibility.
• Underwrites renewal risks and makes non-renewal decisions as necessary.
• Requests additional documentation necessary for the processing of applications, endorsements, or cancellations.
• Builds, maintains, and manages successful producer relationships to achieve new business development and retention. This may include travel to agents’ offices, trade shows, conventions, and agent council meetings.
• Provides support to agents as they use policy processing systems and underwriting guidelines to quote, issue and service business.
• Provides customer service to agents at a level that is consistent with Company values.
• Serves as a first point of contact for agents.
• Reviews and analyzes key data for assigned agents or territories.
• Effectively collaborates within the Underwriting, Operations, Product Management, Claims, and Sales teams.
• Communicates with co-workers, management, clients, vendors, and others to ensure understanding of policy processing systems, underwriting guidelines, products, and coverages.
• Maintains the integrity of the company and products offered by complying with federal and state regulations as well as company policies and procedures.
• Actively works to enhance the agents’ overall experience & eliminates obstacles to doing business with the Company.
• Uses discretion and independent judgment to make decisions and resolve operational issues.
• May handle special projects and perform other duties and responsibilities as assigned.

Job Qualifications:

• Bachelor's Degree preferred. Applicable experience may substitute for some of the education requirements.
• 2 or more years of Property and Casualty underwriting or related experience including claims, agency, etc.
• Proficiency with Microsoft Office programs required.
• Demonstrated customer service focus / superior customer service skills.
• Excellent communication and interpersonal skills.
• Results driven with strong problem solving and analytical skills.
• Ability to work independently in a fast-paced environment; meet deadlines and manage changing priorities effectively.
• Ability to travel to agent and conference locales.
• Very detail oriented.
• Exceptional organizational skills.
• Collaborative partner; ability to contribute to a positive work environment.

General Information:

All employees must pass a pre-employment background check. Other checks may be needed based on position: driving history, credit report, etc.

The preceding job description has been designed to indicate the general nature of work performed; the level of knowledge and skills typically required; and usual working conditions of this position. It is not designed to contain, or be

interpreted as, a comprehensive listing of all requirements or responsibilities that may be required by employees in this job. Nothing in this job description restricts management’s right to assign or reassign duties and responsibilities to this job at any time.

Heritage Insurance Holdings, Inc. is an Equal Opportunity, Affirmative Action Employer. We will not discriminate unlawfully against qualified applicants or employees with respect to any term or condition of employment based on

race, color, national origin, ancestry, sex, sexual orientation, age, religion, physical or mental disability, marital status, place of birth, military service status, or other basis protected by law