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Personal Lines Underwriter Jobs (NOW HIRING)

AGC Consulting

Personal Lines Underwriter

San Juan, PR · On-site

  • Medical

  • Dental

  • Vision

Position Summary We are seeking a detail-oriented and experienced Personal Lines Underwriter to join our underwriting team. This role is responsible for evaluating, pricing, and binding personal ...

H.W. Kaufman Group

Personal Lines Underwriter

Arlington, TX

  • Medical

  • Dental

  • Vision

  • Retirement

  • PTO

We are looking for candidates with an entrepreneurial spirit and drive for career advancement to join our team as a Personal Lines Underwriter. This is an outstanding opportunity to grow a book of ...

Virginia Farm Bureau

Personal Lines Underwriter

Henrico, VA · Hybrid

$49K - $58K/yr

  • Medical

  • Dental

  • Retirement

  • PTO

Personal Lines Underwriter STATUS: Exempt COMPENSATION RANGE: $49,000-58,000 Annually LOCATION: Based out of our beautiful West Creek Office, located at 12580 West Creek Pkwy, Richmond, VA 23238.

Virginia Farm Bureau

Personal Lines Underwriter

Henrico, VA · Hybrid

$49K - $58K/yr

  • Medical

  • Dental

  • Retirement

  • PTO

Personal Lines Underwriter STATUS: Exempt COMPENSATION RANGE: $49,000-58,000 Annually LOCATION: Based out of our beautiful West Creek Office, located at 12580 West Creek Pkwy, Richmond, VA 23238.

Virginia Farm Bureau

Personal Lines Underwriter

Henrico, VA · On-site

$49K - $58K/yr

  • Medical

  • Dental

  • Retirement

  • PTO

Personal Lines Underwriter STATUS: Exempt COMPENSATION RANGE: $49,000-58,000 Annually LOCATION: Based out of our beautiful West Creek Office, located at 12580 West Creek Pkwy, Richmond, VA 23238.

Burns & Wilcox

Personal Lines Underwriter

Arlington, TX · On-site

  • Medical

  • Dental

  • Vision

  • Retirement

  • PTO

We are looking for candidates with an entrepreneurial spirit and drive for career advancement to join our team as a Personal Lines Underwriter. This is an outstanding opportunity to grow a book of ...

Burns & Wilcox

Personal Lines Underwriter

Saint Louis, MO · On-site

  • Medical

  • Dental

  • Vision

  • Retirement

  • PTO

We are looking for candidates with an entrepreneurial spirit and drive for career advancement to join our team as a Personal Lines Underwriter. This is an outstanding opportunity to grow a book of ...

Capital Insurance Group

Underwriter - Personal Lines

Reno, NV · On-site

  • Medical

  • Dental

  • Vision

  • Life

  • Retirement

  • PTO

Why Choose CIG's Personal Lines Underwriting Team? This is your perfect opportunity to join a company that is building momentum with our independent agents and protecting the dreams and assets of our ...

Capital Insurance Group

Underwriter - Personal Lines

Phoenix, AZ · Hybrid

  • Medical

  • Dental

  • Vision

  • Life

  • Retirement

  • PTO

Why Choose CIG's Personal Lines Underwriting Team? This is your perfect opportunity to join a company that is building momentum with our independent agents and protecting the dreams and assets of our ...

Capital Insurance Group

Underwriter - Personal Lines

Reno, NV · Hybrid

  • Medical

  • Dental

  • Vision

  • Life

  • Retirement

  • PTO

Why Choose CIG's Personal Lines Underwriting Team? This is your perfect opportunity to join a company that is building momentum with our independent agents and protecting the dreams and assets of our ...

Burns & Wilcox

Personal Lines Underwriter

Portland, OR · On-site

$100K - $150K/yr

  • Medical

  • Dental

  • Vision

  • Retirement

  • PTO

We are looking for candidates with an entrepreneurial spirit and drive for career advancement to join our team as a Personal Lines Underwriter. This is an outstanding opportunity to grow a book of ...

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Personal Lines Underwriter information

See salary details

$33.5K

$66.8K

$152K

How much do personal lines underwriter jobs pay per year?

As of Aug 13, 2026, the average yearly pay for personal lines 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 does a personal lines underwriter do?

A personal lines underwriter is a person who determines whether or not a customer should receive insurance, such as home insurance, life insurance, or auto insurance. As a personal lines underwriter, your duties are to gather information about your customer’s lives and analyze their risk factors to decide whether they qualify for your services. You analyze occupational risks, tax and credit histories, and financial history. The career has several qualifications, including a bachelor’s degree in a field such as accounting or business administration, and experience in the insurance industry. Useful skills for the job include good written and verbal communication and strong mathematics.

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

Personal Lines Underwriters often encounter challenges such as balancing risk assessment with customer satisfaction and keeping up with changing regulations or policy guidelines. Managing a high volume of applications while ensuring accuracy and compliance can also be demanding. Building strong communication with agents and leveraging technology for workflow efficiency can help address these challenges. Staying updated through training and actively collaborating with the underwriting team ensures consistent, sound decision-making.

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

To thrive as a Personal Lines Underwriter, you need strong analytical skills, attention to detail, and a solid understanding of risk assessment and insurance principles, often supported by a bachelor's degree in business or a related field. Familiarity with underwriting software, policy management systems, and relevant certifications such as CPCU or AINS is typically expected. Excellent communication, negotiation, and decision-making skills help you effectively evaluate applications and interact with agents and clients. These skills ensure accurate risk evaluation, profitable portfolio management, and strong customer relationships within a competitive insurance market.

What is a personal lines underwriter?

A Personal Lines Underwriter is an insurance professional who evaluates applications for personal insurance policies, such as auto, home, or renters insurance. They assess the risks associated with insuring individuals and determine if coverage should be provided and at what premium. Personal Lines Underwriters use underwriting guidelines, review client information, and sometimes request additional details to make informed decisions. Their goal is to ensure that insurance policies are profitable for the company while still meeting the needs of policyholders.
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Personal Lines Underwriter jobs near you
Infographic showing various Personal Lines Underwriter job openings in the United States as of August 2026, with employment types broken down into 1% As Needed, 74% Full Time, 21% Part Time, and 4% Contract. Highlights an 94% Physical, 1% Hybrid, and 5% Remote job distribution, with an average salary of $66,771 per year, or $32.1 per hour.

Personal Lines Underwriter

AGC Consulting

San Juan, PR • On-site

Full-time

Medical, Dental, Vision

Re-posted 18 days ago

Job description

Antilles Insurance Company is a leading property and casualty insurer headquartered in Puerto Rico, regulated by the Oficina del Comisionado de Seguros (OCS). We serve both personal and commercial lines clients across the island, combining deep local expertise with a commitment to operational excellence and innovation.

Position Summary

We are seeking a detail-oriented and experienced Personal Lines Underwriter to join our underwriting team. This role is responsible for evaluating, pricing, and binding personal lines risks — primarily Personal Package Policies, HO6 and related endorsements — in compliance with company guidelines, OCS regulations, and sound underwriting principles.

Key Responsibilities

  • Review and underwrite new business submissions and renewals for personal lines accounts including personal package and HO6.
  • Analyze risk characteristics, property values, TIV, construction type, occupancy, and loss history to determine acceptability and pricing
  • Communicate underwriting decisions to brokers and agents in a timely and professional manner
  • Ensure compliance with OCS-mandated forms, rates, and filing requirements for personal lines products
  • Process policy endorsements, cancellations, and reinstatements accurately within system workflows
  • Collaborate with the production team to support broker relationships and agency pipeline development
  • Participate in workflow automation initiatives and contribute to process improvement efforts
  • Prepare reports and metrics for management review, including loss ratios, submission counts, and bind rates
  • Assist in the review and update of underwriting guidelines, SOPs, and authority matrices.

Qualifications

  • Bachelor's degree in Business Administration, Finance, Risk Management, or a related field
  • Minimum 2–4 years of personal lines underwriting experience in a P&C insurance environment
  • Working knowledge of Puerto Rico OCS regulatory framework preferred
  • Familiarity with personal lines policy forms (ISO HO3, HO6, DP forms) and coverage interpretation
  • Proficiency in Microsoft Office Suite (Excel, Word, Outlook); experience with policy administration systems a plus
  • Strong analytical skills with attention to detail and sound judgment in risk evaluation
  • Excellent written and verbal communication skills in Spanish and English
  • CPCU, CIC, or similar insurance designation is a plus but not required

What We Offer

  • Competitive salary commensurate with experience
  • Medical, dental, and vision benefits
  • Professional development and continuing education support
  • Collaborative team environment with exposure to both personal and commercial lines operations
  • Opportunity to contribute to a growing company undergoing exciting operational modernization


Equal Opportunity Employer