Underwriter, Insurance

You must live in the greater Houston Area to be considered and must be experienced in P&C Insurance Underwriting.

Heritage Insurance is seeking an experienced an EXPERIENCED Personal Lines Underwriter with a strong understanding of the Texas market to support our growing agency network. In this role, you’ll review, evaluate, and price new and renewal business, assess risk, and make sound underwriting decisions—while building trusted relationships with our agents and delivering top-tier service.

If you enjoy balancing analytics with relationship-building and thrive in a fast-paced, collaborative environment, this could be a great fit.

• Review, evaluate, and rate new business submissions within assigned underwriting authority
• Assess risk and determine appropriate actions using inspections, reports, and available data
• Underwrite renewal business and make cancellation or non-renewal decisions when necessary
• Review and process endorsements, reinstatements, cancellations, and eligibility requests
• Request and analyze additional documentation needed to support underwriting decisions
• Serve as a primary point of contact for assigned agents, delivering responsive and consistent service
• Build and maintain strong producer relationships to drive new business growth and retention
• Support agents with policy processing systems, underwriting guidelines, quoting, issuing, and servicing business
• Review and analyze performance data for assigned agents or territories
• Collaborate closely with Underwriting, Operations, Product Management, Claims, and Sales teams
• Communicate underwriting guidelines, products, and coverage details clearly to internal and external partners
• Ensure compliance with all federal and state regulations and company policies
• Identify and remove obstacles to improve the overall agent experience
• Use independent judgment to resolve issues and manage special projects as assigned
• Travel to agent offices, trade shows, conventions, and meetings as needed

• Demonstrated knowledge of the Texas insurance market (required)
• 2+ years of Property & Casualty underwriting REQUIRED
• Strong customer service mindset with excellent communication and interpersonal skills
• Proficiency in Microsoft Office
• Results-driven with strong analytical and problem-solving abilities
• Highly detail-oriented with exceptional organizational skills
• Ability to work independently, manage deadlines, and adapt to changing priorities
• Comfortable in a fast-paced environment
• Willingness and ability to travel as needed
• Collaborative team player who contributes to a positive work environment

All employees must successfully pass a pre-employment background check. Additional checks (such as driving history or credit reports) may be required depending on the position.

This job description reflects the general nature and level of work performed and is not intended to be a comprehensive list of all duties or responsibilities. Management reserves the right to modify or assign additional responsibilities as needed.

Heritage Insurance Holdings, Inc. is an Equal Opportunity Employer. We do not discriminate against qualified applicants or employees based on race, color, national origin, ancestry, sex, sexual orientation, age, religion, physical or mental disability, marital status, military or veteran status, or any other protected status under applicable law.