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Job description
Personal Line Underwriter (Homeowners & Dwelling Fire)
Location: 1010 Northern Blvd., Suite 238, Great Neck, NY 11021
Salary: $65,000 - $95,000/year
Position Type: Full-time
Non-exempt (Hourly) or Exempt (Salaried)
Monday – Friday
9:00 am – 6:00 pm
Hybrid after 90 days – 3 days in office/2 days remote
Reports to: Deputy Branch Manager
Position Overview:
DB Insurance is seeking a Personal Lines Underwriter to join our team! As a Personal Lines Underwriter specializing in Homeowners & Dwelling Fire, you will assess risks for individual clients by analyzing client information, applying underwriting guidelines, and collaborating with agents and brokers to deliver competitive and profitable insurance solutions. Your expertise will play a crucial role in maintaining a well-balanced portfolio that aligns with the company's risk management objectives.
Key Responsibilities
Assess property characteristics, claims history, and other relevant data to determine insurability and risk level.
Conduct risk analysis and assessments in accordance with company underwriting guidelines and state regulations.
Make informed decisions on accepting, rejecting, or modifying insurance applications based on underwriting policies.
Collaborate with agents, brokers, and customer service teams to communicate underwriting decisions and address inquiries.
Ensure compliance with regulatory requirements and company standards in all underwriting practices.
Review the assigned book of business regularly to maintain portfolio balance and identify growth opportunities.
Stay informed on market trends, emerging risks, and regulatory changes to adjust underwriting strategies as needed.
Participate in training programs to stay current on underwriting best practices, product updates, and industry developments.
Qualifications
Bachelor's degree in Business, Finance, Insurance, or a related field, or equivalent work experience (open to entry-level candidates and experienced professionals)
0 to 3+ years of experience in personal lines underwriting, with position level based on experience
Understanding of underwriting principles, policy guidelines, and state-specific insurance regulations, particularly for Homeowners and Dwelling Fire
Strong analytical and decision-making skills with high attention to detail and accuracy in risk assessment
Excellent communication skills with a customer-service mindset to build strong relationships with agents, brokers, and internal teams
Proficiency in Microsoft Office Suite or Google Workspace applications
Familiarity or experience with underwriting software and rating tools is preferred
Effective time management skills with the ability to handle multiple tasks and meet deadlines
Ability to adapt to changing underwriting guidelines and evolving market conditions
Preferred Qualifications
Professional designations such as CPCU (Chartered Property Casualty Underwriter) or AU (Associate in Underwriting) are a plus
Benefits
Medical (PPO), dental (PPO), vision (PPO), and life insurance covered 100% by the company and 50% for dependents
Monthly manager stipend
Paid time off and sick leave
13 annual paid holidays
401(k) plan with up to 4% company match
Flexible Spending Account (FSA) & Dependent Care FSA
Job-related training reimbursement
Casual dress code
About Us
At DB Insurance USA, we carry forward a legacy of excellence that began in South Korea in 1962 and expanded to the U.S. in 1984. Backed by the financial strength of a global powerhouse (AM Best Rating: A+, S&P Rating: A+), we combine world-class resources with the agility of a close-knit team. With offices in California, Hawaii, New York, and Guam, we provide innovative insurance solutions tailored to protect your property, business, and livelihood. We are committed to fostering a culture of inclusion and innovation, ensuring exceptional service and peace of mind for every policyholder.
Who can apply
Review the original listing for work authorization, qualifications and employer requirements.