Personal Lines Underwriter

About NLC Insurance

For nearly two centuries, NLC Insurance Companies has been a trusted partner for our customers, offering reliable protection and guidance. We are more than an insurance company; we are a dedicated team committed to excellence and compassionate service. At NLC, we cultivate a collaborative environment that champions employee development and provides a clear path for career growth, especially for those starting or advancing in the insurance sector.

As an Underwriter, you will make profit‑oriented risk selection within authority limits and monitor the aggregate quality and pricing of all books of business within assigned territory. You will participate in the agency management process and implement action plans for achieving agency objectives while maintaining quality and service objectives. This role operates with hybrid flexibility from our Norwich office.

• Select and price individual risks and manage assigned agency book of business. This includes but is not limited to monitoring the aggregate quality and pricing to achieve profit, mix of business and quality of business objectives.
• Build and maintain effective working relationships with agents to influence profitable production.
• Demonstrate ownership and understanding of book of business management and proactively identify trends to suggest appropriate action.
• Participate in the agency management process including developing and implementing agency/company business or profit improvement plans.
• Able to interpret available information such as quality, production and loss ratio reports effectively to direct and influence the flow of business to support company goals and standards and formulate any corrective underwriting agency action plans.
• Adherence to underwriting performance standards as measured in audits.
• Provide technical expertise to agents and effectively communicate underwriting philosophies, standards, pricing and products.
• Knowledge of and adherence to state regulations, major competitor products and emerging market changes.
• Adhere and/or suggest improvements to processes within the company to increase the level and quality of service to both internal and external customers.
• As per company goals and plans, complete special projects as assigned, generate new business and manage existing business, coordinate activities with marketing resources, provide guidance and act as a resource to support staff.

• Associate degree in Business, Insurance or related field, or its equivalent.
• 2–4 years of related PL underwriting experience.
• Exceptional communication (verbal and written), interpersonal, and customer service skills.
• Strong analytical, problem‑solving, and decision‑making abilities.
• Working knowledge of Microsoft Excel and Word.
• Meticulous attention to detail and excellent organizational skills.
• Ability to work effectively both independently and as part of a supportive team.