Personal Lines Underwriter

The Personal Insurance Underwriter is responsible for supporting the Book Consolidation team focused on evaluating, analyzing, and making decisions on personal lines renewal business, including homeowners, personal umbrella, and other specialty personal property products. This role assesses evolving risk characteristics, determines appropriate pricing and coverage terms, and ensures all decisions align with underwriting guidelines and profitability goals. The underwriter also identifies and manages cross‑sell opportunities to enhance account retention and broaden customer protection.

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.

Qualifications

• Bachelor’s degree in Business, Finance, Insurance, or related discipline; or equivalent experience.
• Typically 2–5+ years of personal lines underwriting or related experience.
• Progress toward or completion of professional designations (AINS, API, CPCU) preferred.
• 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.

About Our Company

Burns & Wilcox, the flagship organization of H.W. Kaufman Group, is North America’s leading wholesale insurance broker and underwriting manager. Burns & Wilcox offers wide ranging and comprehensive solutions to serve retail insurance brokers and agents of all sizes, from the large houses to the more than 30,000 independent brokers and agents worldwide. Fueled by its freedom from Wall Street and private equity, Burns & Wilcox is a privately owned company whose standards of service, depth of market relationships and outstanding talent are unsurpassed in the specialty insurance sector.

Equal Opportunity Employer

The H.W. Kaufman Group of companies is an equal opportunity employer. All employment decisions are based on business needs, job requirements and individual qualifications, without regard to race, color, religion, gender, gender identity, age, national origin, disability, veteran status, marital status, pregnancy, sexual orientation, genetic information or any other status or condition protected by the laws or regulations in the locations where we operate.

In addition, Kaufman will make reasonable accommodations to known physical or mental limitations of an otherwise qualified person with a disability, unless the accommodation would impose an undue hardship on the operation of our business.

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