Job Description

If you have strong analytical skills, sound judgment, and a passion for evaluating risk, we invite you to join Rural Mutual Insurance as a Personal Lines Underwriter. You'll play a key role in supporting our agency partners, assessing personal lines risks, and contributing to profitable portfolio growth. This position offers a hybrid work schedule after the completion of onboarding and training. At Rural Mutual Insurance, we offer a supportive work environment, career growth opportunities, and a comprehensive compensation package that includes health, dental, and vision insurance, a matching 401(k), and generous time off. We’ve earned consistent recognition as a Madison Magazine Best Places to Work and an A+ AM Best financial strength rating. If you're ready to be part of a team that values your expertise and encourages your professional growth, apply today! Responsibilities: • • Evaluate and underwrite Personal Auto and Homeowners risks, determining acceptance, modification, or rejection in accordance with company underwriting guidelines, authority levels, and regulatory requirements. • Review and assess exceptions submitted by agents, making sound underwriting decisions on risks that fall outside standard guidelines. • Analyze and process policy change requests to ensure continued compliance with underwriting standards and eligibility requirements. • Evaluate underwriting alerts, claims activity, and other risk-related information to determine appropriate renewal actions and risk management outcomes. • Provide timely, professional service by responding to agent and customer inquiries via phone, email, and written correspondence. • Exercise sound judgment in underwriting decisions while adhering to established procedures, underwriting authority, and departmental service standards. • Maintain accurate documentation and records to support underwriting decisions and ensure compliance with company policies. • Perform other duties and projects as assigned. Qualifications: • • 2+ years of Personal lines underwriting experience is highly preferred. • Associate degree or equivalent from a two-year college or technical school or equivalent experience preferred. • Strong verbal and written communication skills. • Excellent attention to detail, with the ability to effectively prioritize, multitask, and make sound decisions. • Demonstrated analytical, critical thinking, and problem-solving abilities. • Proven ability to work collaboratively in a team environment while also managing responsibilities independently. • Self-motivated with a strong sense of accountability and initiative. • Proficient in Microsoft Office applications and other computer-based business systems. • Additional education in insurance or other industry-related coursework is preferred. Interest in pursuing additional education in the insurance industry. • Bilingual abilities (Spanish, Hmong, etc.) a plus. • Must maintain a primary residence and work location in Wisconsin and be authorized to perform all job duties within the state, consistent with company operational and compliance requirements. Compensation: $60,000 to $65,000 per year

• Evaluate and underwrite Personal Auto and Homeowners risks, determining acceptance, modification, or rejection in accordance with company underwriting guidelines, authority levels, and regulatory requirements. • Review and assess exceptions submitted by agents, making sound underwriting decisions on risks that fall outside standard guidelines. • Analyze and process policy change requests to ensure continued compliance with underwriting standards and eligibility requirements. • Evaluate underwriting alerts, claims activity, and other risk-related information to determine appropriate renewal actions and risk management outcomes. • Provide timely, professional service by responding to agent and customer inquiries via phone, email, and written correspondence. • Exercise sound judgment in underwriting decisions while adhering to established procedures, underwriting authority, and departmental service standards. • Maintain accurate documentation and records to support underwriting decisions and ensure compliance with company policies. • Perform other duties and projects as assigned.

Compensation:
$60,000-$65,000 per year

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