Senior Personal Lines Underwriter

About Us

At Selective, we don't just insure uniquely, we employ uniqueness.

Selective is a midsized U.S. domestic property and casualty insurance company with a history of strong, consistent financial performance for nearly 100 years. Selective's unique position as both a leading insurance group and an employer of choice is recognized in a wide variety of awards and honors, including listing in Forbes Best Midsize Employers in 2025 and certification as a Great Place to Work® in 2025 for the sixth consecutive year.

Employees are empowered and encouraged to Be Uniquely You by being their true, unique selves and contributing their diverse talents, experiences, and perspectives to our shared success. Together, we are a high-performing team working to serve our customers responsibly by helping to mitigate loss, keep them safe, and restore their lives and businesses after an insured loss occurs.

Overview

Provides consultation and acts as primary contact for agency partners with regards to risk eligibility, rating, and coverages related to personal lines products. Conducts multi-state and multi-line exception underwriting to accept, modify, decline, cancel or non-renew personal lines exposures within authority level. Underwrite personal lines on an agency level and manage personal lines results on a per agency basis by evaluating and monitoring agency financials (policy counts, written premiums, loss ratios, large losses, etc.), quality of business, submission, and cancellation trends, etc. Develops, implements, and monitors profitability improvement plans for under-performing agencies as needed. All job duties and responsibilities must be carried out in compliance with applicable legal and regulatory requirements.

Responsibilities

• Work within specific authority level to quote, accept, decline, modify, and renew risks in accordance with accepted underwriting guidelines. Work in unison with agents, PLMS, and other departments to grow and maintain a profitable book of business.
• Conduct profit and growth analysis for assigned agents and territory. Collaborate with agency analyst and personal lines marketing specialist to complete thorough reviews of an agent’s books of business and make recommendations for improvement or if needed, make recommendations for agent to be placed on APIP. Develop plan and follow-up on APIP.
• Provide guidance to agents and other departments regarding various underwriting information. Effectively communicate underwriting decisions and appetite to agents. Reinforce the ease of doing business with Selective by meeting or exceeding agent’s expectations and service quality on a consistent basis.
• Reviews list of agency submissions for common risk characteristics to determine trends in quality of submissions. Determines course of action necessary and communicates same to the PL territory manager and team lead. Implements and monitors plans and co
• Handle incoming correspondence from agents and in some cases customers, responding to inquiries on coverage, and adjusting policy information based upon prescribed authority level. Conduct outbound correspondence and follow-up work to agents required to close out inquiry/transaction. Also accepts and resolves issues referred due to authority level or technical expertise.
• Apply knowledge and understanding of coverage forms, rating plans and guidelines. Ensure adequate pricing of individual risk through proper classification, accuracy of information and adherence to company underwriting standards and philosophy.
• Makes recommendations for efficiencies in workflow, communication, and agency management activities. Includes recommendations for the development of new/revised reports that will better support agency management activities.
• Participates in agency visits as needed to support the Personal Lines Marketing Specialists.
• Ensures and maintain effective service and communication with agents through telephone and written correspondences.
• Attend meetings and provide input for rate changes, system enhancements, agent reviews, etc., and provides training for new hires.

Qualifications

Knowledge and Requirements

• Superior financial and analytical skills.
• Strong interpersonal, organizational, and time management skills.
• Strong PC skills including strong excel skills.

Education and Experience

Total Rewards

Selective Insurance offers a total rewards package that includes a competitive base salary, incentive plan eligibility at all levels, and a wide array of benefits designed to help you and your family stay healthy, achieve your financial goals, and balance the demands of your work and personal life. These benefits include comprehensive health care plans, retirement savings plan with company match, discounted Employee Stock Purchase Program, tuition assistance and reimbursement programs, and 20 days of paid time off. Additional details about our total rewards package can be found by visiting our benefits page.

The actual base salary is based on geographic location, and the range is representative of salaries for this role throughout Selective's footprint. Additional considerations include relevant education, qualifications, experience, skills, performance, and business needs.

Pay Range

USD $87,000.00 - USD $113,000.00 /Yr.
Additional Information

Selective is an Equal Employment Opportunity employer. That means we respect and value every individual’s unique opinions, beliefs, abilities, and perspectives. We are committed to promoting a welcoming culture that celebrates diverse talent, individual identity, different points of view and experiences – and empowers employees to contribute new ideas that support our continued and growing success. Building a highly engaged team is one of our core strategic imperatives, which we believe is enhanced by diversity, equity, and inclusion. We expect and encourage all employees and all of our business partners to embrace, practice, and monitor the attitudes, values, and goals of acceptance; address biases; and foster diversity of viewpoints and opinions.

For Massachusetts Applicants

It is unlawful in Massachusetts to require or administer a lie detector test as a condition of employment or continued employment. An employer who violates this law shall be subject to criminal penalties and civil liability.