Auto Underwriter - Florida

About the Role

As part of the Underwriting team, the Auto Underwriter will work closely with agents, brokers, policyholders, and internal teams to communicate underwriting decisions and document these decisions clearly. This role demands strong knowledge of Florida property and casualty insurance, sound judgment, and the ability to communicate professionally. The ideal candidate will be able to manage a high-volume workflow while maintaining quality, attention to detail, and high service standards.

The company, founded in 1989, is an established property and casualty insurance carrier that serves agents and policyholders through disciplined underwriting, strategic claims handling, and continued investment in people and technology. Being part of such a company provides the opportunity to be part of a team that values professionalism, empathy, and responsiveness.

What You Will Do

• Review new business applications, endorsements, renewals, and related underwriting transactions to evaluate risk acceptability and policy eligibility.
• Analyze underwriting information, including loss history, audit results, policy documentation, inspection findings, and other supporting reports.
• Evaluate risks for compliance with company underwriting guidelines, policy provisions, and applicable regulatory requirements.
• Make sound underwriting decisions to accept, modify, price-adjust, reject, non-renew, or cancel policies based on risk assessment.
• Review discounts, credits, surcharges, exclusions, and other rating or policy factors for accuracy and compliance with company standards.
• Identify unclear, incomplete, or conflicting information and request additional documentation from agents, brokers, or other appropriate parties.
• Communicate underwriting decisions, documentation needs, and policy actions professionally and timely to agents, brokers, policyholders, and internal teams.
• Document underwriting decisions clearly, including the basis for approvals, rejections, cancellations, pricing changes, exclusions, or other policy actions.
• Initiate underwriting cancellations or insured-requested cancellations in accordance with company guidelines, policy terms, and applicable regulations.
• Conduct peer reviews in a professional, objective, and constructive manner to support accuracy, consistency, and compliance.
• Manage a high-volume workflow while maintaining quality, attention to detail, professionalism, and service standards.

What We Are Looking For

• Florida 2-20 Property and Casualty General Lines License.
• 3 or more years of experience in the Florida insurance industry preferred.
• Knowledge of underwriting guidelines, forms, procedures, regulations, coverages, and business processes.
• Strong verbal and written communication skills, with the ability to convey underwriting decisions clearly and professionally.
• Excellent analytical, problem-solving, and decision-making skills with strong attention to detail.
• Proficiency in Microsoft Word, Excel, Windows-based applications, internet research, and related business systems.
• Ability to exercise sound judgment, evaluate information objectively, and communicate recommendations or opinions with confidence.
• Ability to work effectively in a fast-paced, high-volume environment while managing multiple priorities and deadlines.
• Customer-focused approach with the ability to demonstrate professionalism, empathy, and responsiveness.
• Ability to participate in and respond to peer reviews in a professional, constructive, and collaborative manner.

Nice to Have

• Experience with insurance software and systems.
• Certification in underwriting or a related field.
• Previous experience in a remote work environment.
• Strong interpersonal skills with the ability to work independently and as part of a team.
• Knowledge of emerging trends and technologies in the insurance industry.

Benefits and Perks

• 401(k) Retirement Savings Plan with employer match.
• Opportunity to work with a stable and innovative company.
• Remote work environment with flexible hours.
• Professional development opportunities.
• Access to the latest technology and tools in the industry.
• Comprehensive health insurance package.
• Generous paid time off policy.
• Holiday pay and other benefits as per company policy.

• Ensure you have a strong understanding of Florida property and casualty insurance laws and regulations before applying.
• Highlight any experience with underwriting software and systems in your application to stand out.
• Prepare examples of how you have effectively communicated complex underwriting decisions to stakeholders.
• Be ready to discuss your analytical and problem-solving skills, and how you apply them in your current or previous roles.
• Research the company culture and values to understand how you can contribute to and thrive in the team.
• Consider obtaining or highlighting any relevant certifications in underwriting or insurance to increase your competitiveness.
• Practice explaining technical underwriting concepts in simple terms to demonstrate your ability to communicate with both internal teams and external stakeholders.