Auto Underwriter Georgia Expertise

Remote

Full Time

Mid Level

COMPANY OVERVIEW:

Founded in 1989, United Automobile Insurance Company is an innovative and established organization looking for an Underwriter to join our Underwriting team. Family-owned, UAIC, is one of the largest privately held property and casualty insurance companies in the United States. The key to our growth and success is a commitment to providing quality service to our agents and customers, by providing disciplined underwriting, and strategic claims handling. Our ongoing efforts to invest substantial resources in personnel and technology are the foundation of our promise of assuring maximum efficiency and specialized operations in the industry. We are proud that our independent agents and customers have recognized our dedication by making UAIC the market leader in every state where we conduct business.

The ideal candidate will have proven capabilities and understanding of Georgia Auto policy coverage & statutes knowledge. Georgia Property and Casualty Insurance Producer License is highly desirable. This is a remote role, and candidates can be seated in the South-east region of the U.S. #LIRemote

SCOPE:

As an Underwriter, you will play a crucial role in evaluating and analyzing insurance applications, assessing risk factors, and making informed decisions to ensure profitability and compliance with company policies. This position requires a deep understanding of property and casualty insurance, strong analytical skills, and the ability to communicate effectively with various stakeholders. This position currently offers a remote work arrangement, allowing the ideal candidate to work from their preferred location within the Southeast region.

DUTIES:

Thoroughly review insurance applications to understand the nature of the risk involved.
Assess underwriting information, including loss history, inspection reports, and financial statements.
Verify compliance with company underwriting guidelines and industry regulations.
Make informed decisions on whether to accept, modify, or reject policies based on risk assessment.
Scrutinize discounts applied during the sales process for accuracy and adherence to company policies.
Evaluate supporting documentation to validate the eligibility of applied discounts.
Approve or remove discounts based on the completeness and accuracy of the supporting documentation.
Analyze new information or discoveries made during the underwriting process.
Adjust pricing by uprating or discounting when additional information impacts the risk assessment.
Initiate underwriting cancellation in cases where policy terms cannot be met or pose excessive risk.
Identify aspects of underwriting cases that are unclear or fall into a gray area.
Generate and send underwriting suspense requests to agents or brokers for additional information.
Maintain open communication to ensure a comprehensive understanding of risk factors and to protect the interests of the company.
Implement proper procedures for rejecting insurance applications that do not meet underwriting criteria.
Document the reasons for rejection and communicate decisions to relevant stakeholders.
Ensure policy exclusions are accurately recorded, and the implications are clearly communicated to policyholders and internal teams.

EDUCATION:

High school diploma or equivalent; some college coursework preferred.
Bilingual is a plus.
Georgia Auto Insurance Producers license is highly desirable

SKILLS & EXPERIENCE:

Prior Georgia Auto policy coverage & statutes knowledge required
Georgia Property and Casualty Insurance Producer License is highly desirable
Strong communication skills, both verbal and written.
Excellent problem-solving abilities and attention to detail.
Must be familiar with forms, procedures, regulations, coverage and business processes for assigned programs.
Proficient in Word, Excel, Windows-based applications and internet usage.
Must be able to exercise good judgment and state opinions assertively.
Must be able to perform work effectively in a highly intense environment and handle multiple tasks and demands simultaneously.
Customer-focused and empathetic.
Ability to handle a high volume of calls while maintaining professionalism.
Team player with strong interpersonal skills.

BENEFITS:

401(k) Retirement Savings Plan with employer match.
Comprehensive Medical, Prescription Drug, Vision, and Dental Insurance
Paid Time Off, Holidays, and Leave programs.
Flexible spending accounts
Basic Life Insurance and Voluntary Life/ADD
Voluntary Short Term and Long-Term Disability

UAIC participates in the E-Verify program to confirm the employment eligibility of all newly hired employees. For more information about E-Verify, please visit https://www.e-verify.gov/.

UAIC is an Equal Opportunity Employer and is committed to the principle of equal employment opportunity for all employees. All employment decisions at UAIC are based on business needs, job requirements, and individual qualifications, without regard to race, color, religion, belief, family or parental status, or any other status protected by the laws or regulations in the locations where we operate.

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Auto Underwriter Georgia Expertise

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