Underwriter - Personal Lines

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 policyholders. Join the CIG Underwriting team in helping build a safer world where dreams soar!

• Accrue twenty-one days of Paid Time Off during your first year
• Up to eighty-seven percent of benefits covered by CIG for you and your family members
  • Medical, dental, vision plans
• One hundred percent covered plans
  • Basic Life & AD&D
  • Employee Assistance
  • Leave Management
  • Long Term Disability
  • Short Term Disability (Outside of CA)
• Family Caregiver Support (Homethrive)
• Child Care Resources (Tootris)
• Business Travel Accident Protection
• Voluntary benefit offerings
  • Short-term (CA only)
  • Voluntary Life AD&D self, spouse and child plans
  • Flexible Spending
  • Health Savings (HSA)
  • Hospital Indemnity
  • Accidental Injury
• Critical Illness
• ARAG Legal Services
• Norton Life Lock
• Above and Beyond Reward Recognition Program
  • Kudos & Shout Out Points Program
  • Quarterly Above and Beyond Bonus Program
  • Annual Above and Beyond Bonus Program
• Competitive compensation
  • Base compensation
  • Salary Management Spot Bonuses
  • Annual Incentive/Profit sharing program, potential payout annually based on company results.
• Gym memberships, credit union, travel, shopping, restaurants, theme parks, and more
• Insurance Educational reimbursement and bonus programs
• Employee Referral Bonus Program
• You have a voice! You are encouraged to share your voice through multiple channels, get involved with our Employee Experience and DEI committees to drive and continue the health and wellbeing of our organization for everyone.
• Home and Auto Insurance Discount Program.
• Paid Volunteer Time – Through company planned community events and choose your own adventure PVT in giving back in ways that are meaningful to you!
• Retirement savings benefit (401k and Roth + match)
• Wellness platform, tools and events
• Health Savings Account – match
• Financial Wellness Resources

The Person al Lines Underwriter is responsible for maintaining an underwriting desk which includes the individual risk selection according to company guidelines. In addition, the role requires maintaining profitability, establishing strong internal as well as external customer relationships. The position will provide knowledge of underwriting appetite and company philosophy to our agency partners. The individual will participate in audits and special projects as needed to facilitate the continued growth and renewal profitability goals.

This is a hybrid-eligible position, where Monday through Wednesday would be working in one of our offices, with Thursday and Friday eligible for work‑from‑home days. Office locations include:
Reno (NV), Monterey (CA), Roseville (CA), and Phoenix (AZ). This person will work closely with the Underwriting Supervisor on any matters related to Personal Lines Underwriting.

• Review and maintain agency management practices for assigned agents, utilizing this information for respective file decisions and quarterly agency reviews.
• Complete drafts for Department of Insurance complaints with the assistance of the PL Underwriting Supervisor.
• Complete underwriting and file reviews on referred new business, endorsements, inspections, CRU Claim Report to Underwriting, and renewal questionnaires.
• Field incoming phone calls and email messages from agents to provide underwriting answers to inquiries and service for the assigned territory.
• Achieve annual growth, loss ratio, retention and time service goals.
• Agency Management – Use of APS Agency Profile System and regular contact with ADM Agency Development Manager in a mutual partnership to facilitate production.
• Undertakes special projects as requested by management. May participate in audit and quality control reviews.
• Job description is not prescriptive, but rather a guide as to the duties and responsibilities you will have, however it is not limited to the listed above.

• Knowledge of insurance industry terminology and laws.
• General policies and procedures for underwriting personal lines insurance risks.
• A college degree is preferred with 3 years’ experience as…