Underwriter Personal Lines - III

Company Overview

FOCUS provides cloud-based, core administration solutions (FOCUS Tech) and services (FOCUS Insurance Services) for P&C insurance companies and MGAs. Using decades of industry experience, FOCUS is taking the risk out of insurtech for small, mid-size, and growth-focused insurance organizations.

When you join FOCUS, you immediately become one of our most valued components – and we’re committed to investing in you. That means you can look beyond the paycheck and excellent benefits to an environment that will help you grow and achieve your professional goals through development and advancement opportunities and the support of our outstanding leaders and teammates.

Position Objective  

The Personal Lines Underwriter III serves as the Subject Matter Expert (SME) and primary resource for underwriting-related inquiries and escalations within the department. This role is proficient in all personal lines underwriting functions, exercises the highest level of underwriting authority, and acts as a go-to expert for team members, leadership, agents, and internal partners. The Underwriter III is responsible for handling inbound calls, chats, and task assignments, assisting agents and team members with complex policy questions, bind requests, endorsements, and risk evaluations. This role also provides mentorship and guidance to junior and mid-level underwriters, supports leadership with high-value or complex risks, and contributes to process improvements and departmental excellence. By combining advanced underwriting expertise with direct communication and workflow support, the Underwriter III ensures accuracy, compliance, and superior service for both agents and internal teams. 

Position Summary  

Advanced Policy Underwriting & Risk  40%

• Independently review, analyze, and underwrite complex personal lines applications, inspections, and endorsements. 

• Make high-level risk selection, pricing, and coverage decisions on complex, high-value, or unusual policies. 

• Evaluate borderline or high-risk exposures and provide recommendations to leadership when appropriate. 

• Ensure compliance with company, carrier, and regulatory underwriting standards. 

• Maintain proficiency in all personal lines underwriting functions and continuously expand knowledge of advanced underwriting practices.  

 Agent/Client Support via Phones, Chats, and Tasks 30%

• Serve as the department SME for personal lines policies and underwriting practices. 

•  Respond to agent and client inquiries via phone, chat, and task systems regarding policy forms, coverage, bind requests, endorsements, cancellations, and other transactions. 

• Handle escalated or complex inquiries professionally and efficiently. 

• Maintain strong agent relationships and provide guidance on policy submissions. 

 Process Improvement & Compliance 15%

• Identify opportunities to enhance underwriting processes, systems, and workflows. 

• Participate in audits, compliance reviews, and quality improvement initiatives. 

• Ensure departmental adherence to internal policies, carrier guidelines, and regulatory requirements. 

Professional Development & Leadership 15%

• Mentor and coach junior and mid-level underwriters, promoting knowledge transfer and best practices. 

• Stay current with industry trends, regulatory changes, and advanced underwriting practices. 

• Contribute to departmental training, policy updates, and cross-functional projects. 

• Serve as a role model for underwriting excellence, collaboration, and customer service. 

Education  

• Bachelor’s degree in Business, Finance, Risk Management, Insurance, or related field preferred.  

Work Experience  

• Seven (7) or more years of personal lines underwriting experience, including homeowners and other lines; or equivalent combination of education and experience. 

• In-depth knowledge of insurance statutes, regulations, and policies. 

Knowledge, Skill and Abilities  

• Advanced knowledge of Property/Casualty insurance underwriting principles and personal lines policies. 

• Strong analytical, decision-making, and problem-solving skills for complex or high-value risks. 

• Excellent verbal and written communication skills. 

• Ability to mentor, coach, and guide junior underwriters effectively. 

• Exceptional organizational and time management skills; ability to manage multiple complex tasks. 

• Strong customer service and conflict-resolution skills, including handling escalated agent or client inquiries professionally. 

• Self-motivated, disciplined, and able to maintain productivity without direct supervision 

• Basic proficiency in Microsoft Office Suite (Word, Excel, Outlook, Teams) for documentation, reporting, and team collaboration 

• Active 2-20 or 4-40 license or industry designation such as CPCU or CIC preferred. 

Organizational Structure 

Reports to: Supv, Client Experience  

Working Conditions  

• Position is fully remote; employee is expected to maintain a dedicated, distraction-free workspace. 

• Employee is responsible for providing a reliable internet connection that meets minimum speed requirements. 

• Use of a company-provided computer, headset, and other necessary equipment is required. 

• Work schedule may include standard business hours; flexibility may be required to meet peak call/chat volumes. 

• Ability to manage multiple communication channels (calls, chats, task systems) efficiently from home. 

• Must adhere to data security and confidentiality standards while handling sensitive client and policy information. 

• Occasional participation in virtual team meetings, training sessions, and performance reviews. 

• Must be self-motivated, organized, and able to maintain productivity without direct supervision. 

Why join the FOCUS Team?  

The FOCUS Difference:

• Medical, Dental, Vision, Life, Pet; Flexible Spending Account

• Competitive Salaries

• 401K Match  

• Work-Life Balance: Personal Days, PTO Days, 12 Paid Holidays, Two Paid Days for Volunteer Service, Paid Parental Leave

• Short and Long-Term Disability

• Employee Support Programs, Including Mental Health

• Tuition Reimbursement  

• Matching Charitable Gift Program

• Lucrative Referral Program

• Commuter Benefits

• Flexibility: Remote and Hybrid Opportunities Available

This position is not able to be performed in California, Colorado, New York or Washington. 

EEO

Team Focus Insurance Group is an equal opportunity employer that does not discriminate on the basis of race, color, religion, sex (including pregnancy, sexual orientation, and gender identity), national origin, age, disability, veteran status, marital status, or any other protected characteristic. Our hiring practices ensure that all qualified applicants receive fair consideration without regard to these characteristics.

Disability

Team Focus Insurance Group is committed to creating an inclusive and accessible workplace for all candidates, including those with disabilities. We are dedicated to ensuring equal employment opportunities and providing reasonable accommodations to qualified individuals with disabilities. If you require reasonable accommodations to participate in the application or interview process, please contact our HR department at [email protected]. We will work with you to provide the necessary accommodations to ensure your full participation in our hiring process.

Note to applicant: It is unlawful in Massachusetts and Maryland to require or administer a lie detector test as a condition of employment or continued employment. Please know that our company does not use lie detector tests in our hiring process.