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Personal Insurance Risk Assessor

2 months ago


Hastings, Michigan, United States Hastings Mutual Full time

Hastings Mutual is actively seeking a Personal Lines Underwriter. This role presents an excellent opportunity to be part of our Underwriting division, where you will conduct thorough evaluations and analyses related to our Personal Lines insurance policies.

Position Overview

The Personal Lines Underwriter is responsible for generating new personal business by assessing and determining the acceptance or rejection of personal insurance risks in accordance with Hastings Mutual's product and coverage standards. This role also involves maintaining written personal business to ensure both profitability and growth.

Position Location & Work Format

This position is based in our Hastings, Michigan offices, operating in a hybrid work format that combines remote and in-office work. We are open to considering candidates residing outside the Hastings area for a fully remote arrangement. The standard working hours for this position are Monday through Friday, from 8:00 am to 4:30 pm.

Key Responsibilities

  • Evaluates, approves, and processes personal lines applications and endorsements in line with departmental service standards, ensuring compliance with underwriting guidelines to meet corporate premium and profitability goals.
  • Engages in professional communication and negotiation with the agency network, fostering relationships with assigned agencies to achieve corporate objectives.
  • Reviews and processes renewal policies to confirm that risks meet Hastings Mutual's eligibility criteria and are accurately rated.
  • Continuously updates knowledge of new products and developments within the insurance sector.
  • Contributes to corporate projects as assigned.
  • Actively participates in professional development activities, such as continuing education or self-improvement initiatives.
  • Performs additional duties as assigned by management, either verbally or in writing.
Candidate Requirements & Qualifications
  • A high school diploma or GED is required, or equivalent work experience.
    • An Associate's degree or higher is preferred.
  • A minimum of three years of experience in personal lines insurance is preferred.
  • Completion of the Associates in Personal Underwriting (API) designation is preferred.
  • A solid understanding of all Personal Lines products, pricing structures, and coverage options is essential.
  • Ability to interpret and demonstrate understanding of authority levels, guidelines, and additional underwriting resources to achieve quality metrics.
  • Proficient PC skills, including strong knowledge of Microsoft Office applications.
  • Exceptional verbal and written communication skills are required.
About Hastings Mutual

At Hastings Mutual, we focus on a balanced corporate strategy that emphasizes the implementation of emerging technologies, the cultivation of strong independent agency relationships, and the provision of suitable products to our policyholders.

We aim to strategically expand our product offerings and geographical reach while maintaining financial stability and an innovative approach.

Our dedicated employees are committed to delivering outstanding customer service to our agent partners and policyholders. Many of our team members are recognized as industry experts, and we value the expertise and skills they bring to our success.

For over 135 years, Hastings Mutual has been dedicated to helping our customers safeguard their valuable assets and recover from significant losses. We take pride in being rated an A (Excellent) insurance carrier by A.M. Best Company.