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Associate Underwriter in Clearwater, FL at Heritage Insurance

Date Posted: 3/14/2019

Job Snapshot

Job Description

Position Summary:

Reviews, evaluates, and rates insurance applications. Determines eligibility of risks when compared to guidelines of programs available.  Evaluates the degree of risk involved and determine appropriate course(s) of action.  Participates in surveys and studies to produce production and loss analysis reports as required.



  • Teamwork
    • Communicates with co-workers, management, vendors, and others in a courteous and professional manner.
    • Proactively initiates and participates in various Underwriting related projects.


  • Customer Focus
    • Assist agents with comments or questions about applications and the likelihood of acceptance by the company.
    • Answers questions from policyholders and prospects.


  • Risk Evaluation
    • Assists with review of applications and additional information to determine risk acceptability for the program(s) available within underwriting authority.
    • Evaluate individual prior loss experience for selected risks.
    • Reviews requests for cancellation, endorsements, etc.
    • Reviews policies for renewal consideration.
    • Reviews inspections for eligibility.
    • Rate policies or check previously rated policies for proper rating.
    • Utilizes knowledge of available systems to develop information for new or renewal policies.
    • Requests additional documentation necessary for the processing of an application, endorsement or cancellation.
    • Maintains the integrity of the company and products offered by complying with federal and state regulations as well as company policies and procedures.

Job Requirements


  • Associate’s Degree or Bachelor’s Degree preferred.
  • 2-20, 20-44PL, or 4-40 Licensure preferred.
  • One year of property and casualty agency or company experience required.
  • Proficiency with Microsoft Office products and internet research tools required.
  • Excellent communication skills and ability to interact on a professional level with internal and external personnel.
  • Demonstrated customer service focus / superior customer service skills.
  • Resourceful and skilled in gaining consensus to solve problems.
  • Results driven with strong problem solving and analytical skills.
  • Ability to work independently in a fast-paced environment; and manages changing priorities effectively.
  • Detail-oriented and exceptionally organized.
  • Collaborative partner; ability to contribute to a positive work environment.