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Personal Lines Associate Underwriter Jobs (NOW HIRING)

... Underwriters to support our Personal Lines Homeowners department. If you have a passion for risk ... Assists internal service associates via telephone and e-mail with exception requests beyond their ...

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Personal Lines Associate Underwriter information

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$33.5K

$66.8K

$152K

How much do personal lines associate underwriter jobs pay per year?

As of Sep 2, 2026, the average yearly pay for personal lines associate underwriter in the United States is $66,771.00, according to ZipRecruiter salary data. Most workers in this role earn between $48,500.00 and $67,500.00 per year, depending on experience, location, and employer.

What is a personal lines associate underwriter?

A Personal Lines Associate Underwriter is an insurance professional who evaluates applications for personal insurance products, such as auto, homeowners, or renters policies. They assess risk factors, review policy applications, and determine eligibility for coverage according to company guidelines. Typically, they work under the supervision of more senior underwriters and help ensure that policies are priced accurately and fairly based on risk. Their role is crucial in maintaining the profitability and integrity of the insurance portfolio while providing quality service to applicants and brokers.

What are the key skills and qualifications needed to thrive as a personal lines associate underwriter?

To thrive as a Personal Lines Associate Underwriter, you need a solid understanding of insurance principles, risk assessment, and policy evaluation, generally supported by a bachelor's degree or relevant insurance coursework. Familiarity with underwriting software, rating systems, and sometimes certifications like AINS or CPCU is common in this role. Attention to detail, analytical thinking, and strong communication skills help you effectively evaluate risks and collaborate with agents or clients. These skills are crucial to ensure accurate policy decisions, maintain profitability, and deliver excellent customer service in a competitive insurance market.

What are some common challenges faced by personal lines associate underwriters, and how can they be addressed?

Personal Lines Associate Underwriters often face the challenge of balancing risk assessment with providing competitive quotes in a fast-paced environment. They must review detailed information about clients and policies, which requires strong attention to detail and the ability to interpret underwriting guidelines accurately. Collaboration with agents and senior underwriters is key to resolving complex cases or clarifying coverage options. To address these challenges, staying organized, seeking feedback from team members, and utilizing available underwriting tools and resources can help improve decision-making and workflow efficiency.

What is the difference between Personal Lines Associate Underwriter vs Personal Lines Underwriter?

AspectPersonal Lines Associate UnderwriterPersonal Lines Underwriter
CredentialsTypically requires a relevant insurance license and some underwriting experienceOften requires similar licenses and more extensive underwriting experience
Work EnvironmentEntry to mid-level role, often in insurance companies or agenciesMid-level role, working closely with agents and clients in insurance firms
Job FocusAssists in evaluating and processing insurance applications under supervisionEvaluates risk, approves or declines policies, and sets pricing

The main difference is that the Personal Lines Associate Underwriter typically supports senior underwriters by handling initial applications and data entry, while the Personal Lines Underwriter makes final risk assessments and policy decisions. The associate role is more entry-level, focusing on support tasks, whereas the underwriter has more responsibility for risk evaluation and policy approval.

More about Personal Lines Associate Underwriter jobs

What cities are hiring for Personal Lines Associate Underwriter jobs?

Cities with the most Personal Lines Associate Underwriter job openings:

What states have the most Personal Lines Associate Underwriter jobs?

States with the most job openings for Personal Lines Associate Underwriter jobs include:

Infographic showing various Personal Lines Associate Underwriter job openings in the United States as of August 2026, with employment types broken down into 1% As Needed, 76% Full Time, 20% Part Time, and 3% Contract. Highlights an 93% Physical, 2% Hybrid, and 5% Remote job distribution, with an average salary of $66,771 per year, or $32.1 per hour.

Personal Lines Associate Account Manager

North Risk Partners

Saint Augusta, MN • On-site

$44K - $60K/yr

Other

Medical, Dental, Vision, Life, Retirement, PTO

This job post has expired today. Applications are no longer accepted.


North Risk Partners rating

8.7

Company rating: 8.7 out of 10

Based on 6 frontline employees who took The Breakroom Quiz

72nd of 315 rated insurance


Job description

Job Type
Full-time
Description
WHY NORTH RISK PARTNERS
Are you interested in doing work that matters everyday with an organization intentional about building and living out a values-driven team culture? North Risk Partners is a fast-growing firm dedicated to serving the insurance and risk management needs of businesses and individuals. We provide expertise in Commercial Lines, Employee & Individual Benefits, Personal Lines, Surety, Claims, and Risk Management. Our team consists of over 450 employees working in over 30 locations across five states, including Minnesota, Iowa, North Dakota, South Dakota, and Nebraska.
At North Risk Partners, our #oneTEAM lives out #oneMISSION: to provide extraordinary #service to our clients, to each other, and to our communities while living out our core values each day. Our team environments are designed to provide #oneTEAM members opportunity to focus on collaborative relationships (clients and team), variety from day-to-day, constant learning, and the tools and resources to learn and grow at work and in life.
JOB SUMMARY
We are looking for a customer-focused Personal Lines Associate Account Manager who is eager to learn and serve as a point of contact for our clients. This position is focused on understanding the basics of insurance coverage and assisting in data entry and rating quotes while remaining clear of errors. This individual will collaborate with team members in managing personal accounts and assist Account Managers with daily tasks. This position requires a combination of excellent communication skills and a passion for delivering exceptional service.
ESSENTIAL RESPONSIBILITES

  • Prepare for the property and casualty licensing exam, and participate in Total CSR courses
  • Work collaboratively on a team to monitor and complete tasks in different workflows including, but not limited to: shared email inboxes, phone ring groups, and the agency documentation system
  • Maintain client files in the agency management system following standard company policies and procedures, ensuring #oneTEAM's mission of service
  • Develop relationships with partner insurance carriers and underwriting teams
  • Assist in sending ID cards, handling non-complex endorsements, processing cancellations, answering billing questions, and responding to voicemails in the service inbox in a timely, accurate manner
  • Remarket renters and auto policies, and generate toy quotes for clients
  • Assist in greeting and handling customer walk-ins, along with drop-off payments
  • Follow all federal and state regulations, and best practices for avoiding errors and omissions
  • Attend and participate in personal lines meetings, training, and classes
  • Continue professional development; pursue and maintain licensing and designations as applicable
  • Assist in greeting and handling customer walk-ins, along with drop-off payments
  • Follow all federal and state regulations, and best practices for avoiding errors and omissions
  • Attend and participate in personal lines meetings, training, and classes
  • Continue professional development; pursue and maintain licensing and designations as applicable
Requirements
QUALIFICATIONS (Knowledge, Skills, & Abilities)
  • A combination of education and experience generally attained through a high school degree, bachelor's degree, and a minimum of 3 years customer service experience
  • Willingness to obtain an insurance license
  • Demonstrated success in customer service
  • Excellent oral and written communication skills
  • Strong attention to detail with organizational skills, demonstrating ability to prioritize tasks effectively
  • Self-starter who takes initiative to identify problems and lead by example
  • Ability to work in a fast-paced environment
  • Proficiency in Microsoft Office suite
BEHAVIOR EXPECTATIONS
  • A role model for North Risk Partners' core values, mission, and desired culture
  • Demonstrate enthusiasm and a positive attitude
  • Professionally and positively represent North Risk Partners to all coworkers, clients, and external stakeholders
  • A team player who collaborates and works well with his/her coworkers
  • A professional who demonstrates the ability to carry on a conversation with clients, Risk Advisors, and other coworkers within North Risk Partners
PHYSICAL REQUIREMENTS
  • Perform under normal office conditions; may include lifting/carrying objects weighing up to 25 pounds
  • Twist, bend, stoop, kneel, squat, stand, walk, and reach frequently
  • Hear, speak, and effectively verbally communicate in the English language, including following oral and written instructions to communicate with people inside and outside of the organization
  • Sit and a desk for extended periods of time and perform long hours of work sitting at a computer
  • Move around office/building/facilities repeatedly throughout the day
  • Apply manual dexterity, visual acuity and ability, for computer keyboarding, office equipment uses, review of detailed reports, information, fine print, and warning labels
  • Must possess valid driver's license and be able to travel to different North Risk Partners locations for meetings, as well as various locations throughout the state and potentially the region for client meetings
  • Able to work a flexible work schedule, including overtime, nights, and weekends to attend events and meetings as needed

TOOLS AND EQUIPMENT USED
Incumbents must be able to use telephones, calculators, copy machines, computers, printers, and other office equipment.
WORK ENVIRONMENT
The work environment is primarily indoors. Exposure to a variety of weather conditions during work related travel and events held outside of the workplace will occur and I acknowledge that I have read, understood, and agree with the contents of this position description. I agree to use my best efforts to fulfill all expectations of the position. I also acknowledge that I am an at-will employee.
This job description does not necessarily list all the job functions or accountabilities of the job. Employees may be asked by management to perform additional duties and tasks. Management reserves the right to revise and update job descriptions at any time.
COMPENSATION AND BENEFITS
The estimated range for this full-time position is $23.56 - $26.44 hourly, plus benefits. The salary of the finalist selected for this role will be set based on a variety of factors, including but not limited to departmental budgets, qualifications, experience, education, licenses, specialty, and training. The hiring range represents the company's good faith and reasonable estimate of the range of possible compensation at the time of posting.
We offer a comprehensive benefits package, including health, dental, vision, short-term and long-term disability, life, long-term care, 401(k) plan, and more. North Risk Partners is growing which means your career can too. #oneTEAM members receive continuing professional education and development, volunteer time off, paid time off, and paid holidays.

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