Underwriter - Personal Lines

As a Personal Lines Underwriter, you’ll evaluate and manage a broad range of new business and policy changes while making sound underwriting decisions that balance risk, customer needs, and company guidelines. You’ll serve as a trusted resource to agency partners and fellow underwriters, providing guidance on complex risks, coverage questions, and underwriting solutions. This role is a great fit for a candidate who enjoys building relationships, solving problems, and contributing to the success of a Personal Lines book of business.

This position may be filled at multiple levels within our Personal Lines Underwriting career path, depending on the selected candidate’s experience, skills, and qualifications. The level and corresponding responsibilities will be determined based on the individual’s background and demonstrated underwriting expertise.

This is a hybrid opportunity based in our Presque Isle, ME office. Our hybrid schedule is 3 days in the office 2 days at home after the completion of training. This role will report to the Operations Supervisor for Personal Lines. 
 
What You’ll Do: 

• Evaluate, accept, modify, or decline a broad range of Personal Lines new business and endorsement risks in accordance with underwriting guidelines and authority.
• Analyze applications, inspections, claims history, property information, and other relevant documentation to assess risk, determine appropriate coverage, and recommend risk improvements when needed.
• Apply strong knowledge of Personal Lines products, policy forms, rating processes, and underwriting guidelines to make sound underwriting decisions and resolve complex coverage issues.
• As directed, provide underwriting guidance and support to Assoc Underwriters/Underwriters, including assistance with complex transactions and on-the-job training as assigned. 
• Refer unusual or higher-risk exposures outside established authority to Senior Underwriters or Underwriting Management for review and approval.
• Review high-exposure claims, catastrophe and concentration risks, and other underwriting information to identify potential concerns and recommend appropriate action.
• Build and maintain strong agency relationships by responding to questions, providing underwriting guidance, explaining decisions, and obtaining information needed to evaluate risks.
• Support underwriting initiatives and special projects, including new agent development, re-underwriting efforts, book transfers, and monitoring Personal Lines marketplace activity. 
• Maintain accurate underwriting documentation and records within Company systems.
• Participate in agency visits, industry meetings, training, and other business activities requiring occasional travel, including overnight stays.

 
What You’ll Bring:

• 3+ years of experience in underwriting or related field.
• Knowledge of Personal Lines products, coverages, policy forms, underwriting guidelines, and rating concepts is preferred.
• Sound judgment and analytical skills with the ability to assess complex risk information.
• Strong communication and relationship-building skills, particularly when working with agency partners.
• Ability to serve as a technical resource and provide guidance to other underwriters.
• Strong organization, problem-solving, and technology skills.
• Ability to travel occasionally, including overnight stays as needed.

Essential Functions:
The essential functions of this position include evaluating, accepting, modifying, or declining a broad range of Personal Lines new business and endorsement risks, analyzing documents to assess risk and providing underwriting guidance and support to the team. These responsibilities require prolonged computer use, strong attention to detail, and effective verbal and written communication. Consistent with applicable law, reasonable accommodations will be made to support individuals with disabilities in performing the essential functions of their job provided that such accommodations do not impose an undue hardship on the business. The organization will engage in an interactive accommodation process as needed.

Compensation Range: The anticipated annual salary range for this position is $60,000-$70,000 annually. This position may be filled at different levels depending on the candidate's experience and qualifications and the final title, level, and compensation will be determined based on the selected candidate's qualifications, experience, skills, and overall fit for the role. Compensation decisions are made in alignment with internal equity and market considerations.

Why MMG Insurance?
At MMG Insurance, we're committed to helping our employees build meaningful careers while maintaining a healthy balance between work, family, and community involvement. We offer a competitive total rewards package designed to support your professional growth, financial well-being, and overall health.

Benefits Highlights:

• Up to 7% employer contributions into a 401(k) retirement plan
• Short-Term Incentive Bonus Plan
• Comprehensive medical, dental, and vision insurance
• Generous paid time off and company holidays
• Tuition assistance and professional development opportunities
• Community involvement opportunities supported by MMG's commitment to giving back

Equal Opportunity Employer
MMG Insurance is an Equal Opportunity Employer. We are committed to creating an inclusive workplace where all qualified applicants and employees are treated with respect and dignity. Employment decisions are based on business needs, job requirements, and individual qualifications without regard to race, color, religion, sex, pregnancy, sexual orientation, gender identity, national origin, age, disability, genetic information, veteran status, military service, or any other status protected by applicable federal, state, or local law. MMG Insurance is committed to providing reasonable accommodation to qualified individuals with disabilities and to applicants throughout the recruitment process.