Job Description
Job Description
Job Description
We are seeking a licensed insurance professional to join our Personal Lines Insurance department. This team member will collaborate with producers and colleagues to provide personalized insurance solutions for Personal Property and Casualty insurance. The role requires staying knowledgeable about our products and finding tailored coverages that meet our clients' specific insurance needs.
Benefits/Perks: - Health insurance + vision and dental options - following 60 days of employment
- Long and short term disability insurance - following 60 days of employment
- 401k with 6% matching - following 90 days of employment
- Paid time off + Holidays
- Competitive pay, but dependent upon experience
- Flexible work from home options available
Responsibilities: A Personal Lines Insurance Rating Specialist is responsible for evaluating, calculating, and adjusting insurance premiums for personal lines policies, such as auto, home, and renters insurance. This role is crucial in ensuring that policyholders are charged accurate premiums based on their risk profile and that the company's underwriting guidelines and regulatory requirements are met.
- Analyze personal information, credit history, claims history, and other relevant data to assess the risk level of potential and existing policyholders.
- Calculate premiums for personal lines policies using established rating models, guidelines, and state regulations.
- Apply appropriate credits, debits, and surcharges based on underwriting criteria and client risk factors.
- Review renewal and new policy applications to determine appropriate coverage options and pricing.
- Stay informed of state regulations and compliance requirements in personal lines insurance to maintain accurate and legally compliant rating practices.
- Document and record all rate decisions, including notes on underwriting rationale and any deviations from standard procedures.
- Work closely with agents and customer service representatives to ensure seamless processing of new business applications and renewals.
- Provide support and guidance to agents/CSRs regarding rating questions, underwriting guidelines, and premium adjustments.
Qualifications: - In depth knowledge of Personal Property & Casualty Insurance
- Licensed with TX Dept of Insurance
- Independent Insurance Agency experience preferred
- Commitment to excellence and continuous self improvement
- Commitment to follow our core values and high ethical standards
- Commitment to follow the strategic plan and established procedures of our agency
- Be people-oriented, customer-focused, and professionally assertive in developing new client relationships and servicing existing clients
- Ability to confidently and professionally assess and identify insurance exposures, then match those with solutions using our markets and available products and resources
- Ability to work effectively and efficiently with internet based rating platforms and resources
- Demonstrate proficiency in insurance knowledge, organizational skills, attention to detail, written and verbal communication, math, critical thinking and problem solving
- Demonstrate mature work habits, and time management skills
- Exhibit emotional maturity, intelligence, accountability, and resilience
- Basic proficiency with Office 365 (Microsoft Word, Excel, OneDrive, Outlook & Teams)
- Experience with AMS 360 agency management system or similar preferred
- Insurance accreditation a plus
- Possess a valid drivers license and a source of reliable transportation
Job Tags
Holiday work, Temporary work, Flexible hours,