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Underwriter in Clearwater, FL at Heritage Insurance

Date Posted: 9/24/2018

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.
    • Effectively collaborate within the Underwriting, Operations, Product Management, Claims, and Sales teams.
    • Proactively initiates and participates in various Underwriting related projects.


  • Customer Focus
    • Build, maintain, and manage successful producer relationships to achieve new business development and retention.
    • Assist agents with comments or questions about applications and the likelihood of acceptance by the company.
    • Participates in agency management activities.
    • Answers questions from policyholders and prospects.


  • Risk Evaluation
    • Reviews applications and additional information to determine risk acceptability for the program(s) available within underwriting authority.
    • Evaluate individual prior loss experience for selected risks.
    • Evaluate the loss potential due to catastrophe, severity, and/or frequency.
    • Handles high value risks and exceptions within authority.
    • Reviews requests for cancellation, endorsements, etc.
    • Reviews inspections for eligibility.
    • Reviews policies for renewal consideration.
    • 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.
  • Three years of property and casualty agency or company experience required. One year of property and casualty underwriting experience required.
  • Knowledge of departmental regulations and policies and standard accepted underwriting practices.
  • 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.