Personal Lines Underwriter

Wayne Cooperative Insurance Company is actively recruiting for a Personal Lines Underwriter to manage a book of Homeowner, Landlord and Dwelling Fire policies within our underwriting portfolio. This role offers a hybrid work arrangement and a comprehensive benefits package including health coverage, retirement, paid time off, and additional benefits.

Base pay range: $62,500.00/yr - $85,000.00/yr

Location:

Wayne County, NY;
Wayne Cooperative, based in the Finger Lakes region of Upstate New York.

The Personal Lines Underwriter is a key member of the underwriting team, responsible for administering underwriting strategy and risk assessment for personal lines accounts within Wayne’s book of business. This role requires both technical underwriting expertise and ethical decision-making to support the company’s long-term success. The successful candidate will manage a book of business within an assigned territory, provide support, training, and oversight to independent agents contracted to represent the company, and review and place profitable risks by applying underwriting guidelines.

Develop and maintain strong working relationships with agents, policyholders, and third-party stakeholders.

Underwriting & Risk Assessment

• Review and evaluate new business applications, assess risk acceptability, and determine appropriate coverage.
• Oversee underwriting policies and ensure alignment with company guidelines and risk appetite.

Decision-Making & Compliance

• Underwrite and approve new and renewal policies while ensuring compliance with company procedures and New York State Insurance Law.
• Manage policy cancellations and non-renewals in accordance with regulatory and company standards.

Customer & Agent Relations

• Provide clear communication regarding underwriting decisions and collaborate with agents on coverage, rates, and service-related matters.
• Maintain strong relationships with agents, policyholders, and stakeholders.
• Monitor and analyze loss ratios, underwriting profitability, and operational effectiveness.
• Work independently, managing multiple priorities under tight time frames.

Industry Expertise & Strategic Growth

• Support new product development by providing market insights and underwriting expertise where needed.

• Innovation & Initiative:
  Approaches problems with curiosity and a willingness to take appropriate risks.
• Customer Orientation:
  Understands and responds to the needs of both internal and external customers.
• Communication:
  Presents ideas clearly and effectively, ensuring stakeholders are well-informed.
• Accountability & Reliability:
  Completes tasks accurately and on time, following through on commitments.
• Technical Competence:
  Applies industry knowledge to address challenges and opportunities.
• Collaboration & Teamwork:
  Works effectively with others, respecting diverse perspectives.
• Drive for Results:
  Manages multiple projects, meets deadlines, and adapts to changing priorities.

This position has no supervisory responsibilities.

• Remain in a stationary position for extended periods.
• Operate a computer and other office equipment.
• Communicate and exchange information with team members and stakeholders.
• Safely operate a motor vehicle.

• This is a full-time, mid-level salaried position.
• Occasional long hours and weekend work may be required.

• A valid New York State Driver’s License is required.
• Travel up to 10%, including overnight stays, may be required.

• Associate’s Degree required;
  Bachelor’s degree is preferred.
• Minimum of 3 years of underwriting experience or equivalent within Personal Lines property and casualty segment.
• Progress towards, or completion of, CPCU or other professional insurance designation(s) is preferred.
• Knowledge of NYS regional market conditions and industry trends is also desired.

Wayne Cooperative Insurance Company is an equal opportunity employer. We prohibit discrimination and harassment of any kind based on age, creed, race, color, sex, sexual orientation, national origin, marital status, gender identity or expression, disability, pregnancy-related condition, military status, genetic characteristics, citizenship or immigration status, or any other protected class in accordance with applicable federal, state, and local laws.

• Mid-Senior level

• Full-time

• Finance, Sales, and Customer Service

• Insurance and Insurance Carriers

Apply BELOW