Personal Lines Underwriter Jobs
Personal Lines Underwriter jobs are open across insurance carriers, regional insurers, and managing general agents, from entry-level to senior and management roles, with specializations in auto, homeowners, and umbrella liability coverage. See the openings below and apply to the ones that match your experience.
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Showing 5 of 31+ Personal Lines Underwriter jobs
Overview
As a Personal Lines Underwriter, you’ll evaluate and manage a broad range of new business and policy changes while making sound underwriting decisions that balance risk, customer needs, and company guidelines. You’ll serve as a trusted resource to agency partners and fellow underwriters, providing guidance on complex risks, coverage questions, and underwriting solutions. This role is a great fit for a candidate who enjoys building relationships, solving problems, and contributing to the success of a Personal Lines book of business.
This position may be filled at multiple levels within our Personal Lines Underwriting career path, depending on the selected candidate’s experience, skills, and qualifications. The level and corresponding responsibilities will be determined based on the individual’s background and demonstrated underwriting expertise.
This is a hybrid opportunity based in our Presque Isle, ME office. Our hybrid schedule is 3 days in the office 2 days at home after the completion of training. This role will report to the Operations Supervisor for Personal Lines.
What You’ll Do:
- Evaluate, accept, modify, or decline a broad range of Personal Lines new business and endorsement risks in accordance with underwriting guidelines and authority.
- Analyze applications, inspections, claims history, property information, and other relevant documentation to assess risk, determine appropriate coverage, and recommend risk improvements when needed.
- Apply strong knowledge of Personal Lines products, policy forms, rating processes, and underwriting guidelines to make sound underwriting decisions and resolve complex coverage issues.
- As directed, provide underwriting guidance and support to Assoc Underwriters/Underwriters, including assistance with complex transactions and on-the-job training as assigned.
- Refer unusual or higher-risk exposures outside established authority to Senior Underwriters or Underwriting Management for review and approval.
- Review high-exposure claims, catastrophe and concentration risks, and other underwriting information to identify potential concerns and recommend appropriate action.
- Build and maintain strong agency relationships by responding to questions, providing underwriting guidance, explaining decisions, and obtaining information needed to evaluate risks.
- Support underwriting initiatives and special projects, including new agent development, re-underwriting efforts, book transfers, and monitoring Personal Lines marketplace activity.
- Maintain accurate underwriting documentation and records within Company systems.
- Participate in agency visits, industry meetings, training, and other business activities requiring occasional travel, including overnight stays.
What You’ll Bring:
- 3+ years of experience in underwriting or related field.
- Knowledge of Personal Lines products, coverages, policy forms, underwriting guidelines, and rating concepts is preferred.
- Sound judgment and analytical skills with the ability to assess complex risk information.
- Strong communication and relationship-building skills, particularly when working with agency partners.
- Ability to serve as a technical resource and provide guidance to other underwriters.
- Strong organization, problem-solving, and technology skills.
- Ability to travel occasionally, including overnight stays as needed.
Essential Functions:
The essential functions of this position include evaluating, accepting, modifying, or declining a broad range of Personal Lines new business and endorsement risks, analyzing documents to assess risk and providing underwriting guidance and support to the team. These responsibilities require prolonged computer use, strong attention to detail, and effective verbal and written communication. Consistent with applicable law, reasonable accommodations will be made to support individuals with disabilities in performing the essential functions of their job provided that such accommodations do not impose an undue hardship on the business. The organization will engage in an interactive accommodation process as needed.
Compensation Range: The anticipated annual salary range for this position is $60,000-$70,000 annually. This position may be filled at different levels depending on the candidate's experience and qualifications and the final title, level, and compensation will be determined based on the selected candidate's qualifications, experience, skills, and overall fit for the role. Compensation decisions are made in alignment with internal equity and market considerations.
Why MMG Insurance?
At MMG Insurance, we're committed to helping our employees build meaningful careers while maintaining a healthy balance between work, family, and community involvement. We offer a competitive total rewards package designed to support your professional growth, financial well-being, and overall health.
Benefits Highlights:
- Up to 7% employer contributions into a 401(k) retirement plan
- Short-Term Incentive Bonus Plan
- Comprehensive medical, dental, and vision insurance
- Generous paid time off and company holidays
- Tuition assistance and professional development opportunities
- Community involvement opportunities supported by MMG's commitment to giving back
Equal Opportunity Employer
MMG Insurance is an Equal Opportunity Employer. We are committed to creating an inclusive workplace where all qualified applicants and employees are treated with respect and dignity. Employment decisions are based on business needs, job requirements, and individual qualifications without regard to race, color, religion, sex, pregnancy, sexual orientation, gender identity, national origin, age, disability, genetic information, veteran status, military service, or any other status protected by applicable federal, state, or local law. MMG Insurance is committed to providing reasonable accommodation to qualified individuals with disabilities and to applicants throughout the recruitment process.
Pay: $60,000.00 - $70,000.00 per year
Benefits:
- 401(k) 7% Match
- 401(k) matching
- Dental insurance
- Flexible spending account
- Health insurance
- Health savings account
- Life insurance
- On-site gym
- Paid time off
- Parental leave
- Professional development assistance
- Referral program
- Retirement plan
- Tuition reimbursement
- Vision insurance
Work Location: Hybrid remote in Presque Isle, ME 04769
Overview
As a Personal Lines Underwriter, you’ll evaluate and manage a broad range of new business and policy changes while making sound underwriting decisions that balance risk, customer needs, and company guidelines. You’ll serve as a trusted resource to agency partners and fellow underwriters, providing guidance on complex risks, coverage questions, and underwriting solutions. This role is a great fit for a candidate who enjoys building relationships, solving problems, and contributing to the success of a Personal Lines book of business.
This position may be filled at multiple levels within our Personal Lines Underwriting career path, depending on the selected candidate’s experience, skills, and qualifications. The level and corresponding responsibilities will be determined based on the individual’s background and demonstrated underwriting expertise.
This is a hybrid opportunity based in our Presque Isle, ME office. Our hybrid schedule is 3 days in the office 2 days at home after the completion of training. This role will report to the Operations Supervisor for Personal Lines.
What You’ll Do:
- Evaluate, accept, modify, or decline a broad range of Personal Lines new business and endorsement risks in accordance with underwriting guidelines and authority.
- Analyze applications, inspections, claims history, property information, and other relevant documentation to assess risk, determine appropriate coverage, and recommend risk improvements when needed.
- Apply strong knowledge of Personal Lines products, policy forms, rating processes, and underwriting guidelines to make sound underwriting decisions and resolve complex coverage issues.
- As directed, provide underwriting guidance and support to Assoc Underwriters/Underwriters, including assistance with complex transactions and on-the-job training as assigned.
- Refer unusual or higher-risk exposures outside established authority to Senior Underwriters or Underwriting Management for review and approval.
- Review high-exposure claims, catastrophe and concentration risks, and other underwriting information to identify potential concerns and recommend appropriate action.
- Build and maintain strong agency relationships by responding to questions, providing underwriting guidance, explaining decisions, and obtaining information needed to evaluate risks.
- Support underwriting initiatives and special projects, including new agent development, re-underwriting efforts, book transfers, and monitoring Personal Lines marketplace activity.
- Maintain accurate underwriting documentation and records within Company systems.
- Participate in agency visits, industry meetings, training, and other business activities requiring occasional travel, including overnight stays.
What You’ll Bring:
- 3+ years of experience in underwriting or related field.
- Knowledge of Personal Lines products, coverages, policy forms, underwriting guidelines, and rating concepts is preferred.
- Sound judgment and analytical skills with the ability to assess complex risk information.
- Strong communication and relationship-building skills, particularly when working with agency partners.
- Ability to serve as a technical resource and provide guidance to other underwriters.
- Strong organization, problem-solving, and technology skills.
- Ability to travel occasionally, including overnight stays as needed.
Essential Functions:
The essential functions of this position include evaluating, accepting, modifying, or declining a broad range of Personal Lines new business and endorsement risks, analyzing documents to assess risk and providing underwriting guidance and support to the team. These responsibilities require prolonged computer use, strong attention to detail, and effective verbal and written communication. Consistent with applicable law, reasonable accommodations will be made to support individuals with disabilities in performing the essential functions of their job provided that such accommodations do not impose an undue hardship on the business. The organization will engage in an interactive accommodation process as needed.
Compensation Range: The anticipated annual salary range for this position is $60,000-$70,000 annually. This position may be filled at different levels depending on the candidate's experience and qualifications and the final title, level, and compensation will be determined based on the selected candidate's qualifications, experience, skills, and overall fit for the role. Compensation decisions are made in alignment with internal equity and market considerations.
Why MMG Insurance?
At MMG Insurance, we're committed to helping our employees build meaningful careers while maintaining a healthy balance between work, family, and community involvement. We offer a competitive total rewards package designed to support your professional growth, financial well-being, and overall health.
Benefits Highlights:
- Up to 7% employer contributions into a 401(k) retirement plan
- Short-Term Incentive Bonus Plan
- Comprehensive medical, dental, and vision insurance
- Generous paid time off and company holidays
- Tuition assistance and professional development opportunities
- Community involvement opportunities supported by MMG's commitment to giving back
Equal Opportunity Employer
MMG Insurance is an Equal Opportunity Employer. We are committed to creating an inclusive workplace where all qualified applicants and employees are treated with respect and dignity. Employment decisions are based on business needs, job requirements, and individual qualifications without regard to race, color, religion, sex, pregnancy, sexual orientation, gender identity, national origin, age, disability, genetic information, veteran status, military service, or any other status protected by applicable federal, state, or local law. MMG Insurance is committed to providing reasonable accommodation to qualified individuals with disabilities and to applicants throughout the recruitment process.
Pay: $60,000.00 - $70,000.00 per year
Benefits:
- 401(k) 7% Match
- 401(k) matching
- Dental insurance
- Flexible spending account
- Health insurance
- Health savings account
- Life insurance
- On-site gym
- Paid time off
- Parental leave
- Professional development assistance
- Referral program
- Retirement plan
- Tuition reimbursement
- Vision insurance
Work Location: Hybrid remote in Presque Isle, ME 04769
See All 31 Personal Lines Underwriter Jobs
Find roles that match your experience and apply in just a few clicks.
Find JobsPersonal Lines Underwriter Job Market
Who's Hiring
Top Industries Hiring
- Insurance
What Employers Look For
The qualifications that appear most often in personal lines underwriter jobs.
- Two or more years of personal lines underwriting experience with a recognized carrier or MGA
- Proficiency in underwriting platforms such as Applied Epic, Duck Creek, or Guidewire
- Working knowledge of ISO forms, rate manuals, and state-specific filing requirements
- Active property and casualty insurance license in the states covered by the role
- CPCU, AU, or AINS designation completed or actively in progress
- Experience evaluating homeowners, auto, or personal umbrella risks using carrier guidelines
Tips for Your Personal Lines Underwriter Job Search
Tailor your resume to underwriting decisions
Highlight specific lines you've underwritten, the volume of risks you've evaluated, and any loss ratio outcomes you influenced. Recruiters for personal lines roles want evidence of underwriting judgment, not just policy processing or data entry.
List your insurance designations prominently
Certifications like CPCU, AU, or AINS carry real weight in personal lines hiring. Put them near your name at the top of your resume so hiring managers spot them before reading your work history.
Apply early to roles that fit
Migrate Mate lists personal lines underwriter openings from across the United States in one place, so you can find roles that match and apply directly to each listing.
Filter openings by carrier type and book size
Personal lines roles differ significantly between national carriers, regional carriers, and MGAs. Target openings that match the book size and risk appetite you already know, since interviewers will ask about your comfort with specific loss exposures and premium thresholds.
Prepare underwriting scenario answers in advance
Interviewers often walk through a risk and ask how you'd price or decline it. Practice talking through your decision logic on homeowners or auto risks, including the factors you weigh when referral guidelines leave room for judgment.
Negotiate using your book performance data
If you have loss ratio trends, renewal retention rates, or premium growth numbers from your current role, bring them into the offer conversation. Personal lines hiring managers respond to quantified underwriting results more than general seniority or tenure.
Personal Lines Underwriter Jobs: Frequently Asked Questions
Which companies are hiring the most personal lines underwriters?
The companies hiring the most personal lines underwriters right now include Burns & Wilcox, Auto-Owners Insurance, and Risksmith Insurance Services, with the largest share of openings in Florida, Texas, and Arizona, based on current listings on Migrate Mate as of November 2026. Regional carriers and managing general agents often post the most volume relative to their size.
How many personal lines underwriter jobs are remote?
About 78% of personal lines underwriter openings are fully remote or hybrid as of November 2026, with remote availability concentrated in account management and renewal underwriting rather than new business or complex risk roles that require closer collaboration with field agents and territory managers.
How do you become a personal lines underwriter?
Start by earning a property and casualty insurance license in your state, which requires completing a pre-licensing course and passing a state exam. Most entry-level underwriters begin as underwriting assistants or in a training program at a carrier, gaining hands-on experience with guidelines and rating before taking on independent risk decisions. Pursuing designations like AU or CPCU accelerates advancement.
Can you get a personal lines underwriter job with little experience?
Yes, many carriers hire underwriting trainees or underwriting assistants with no prior underwriting background, particularly candidates with degrees in finance, risk management, or business. Internships with insurers, experience in insurance operations or customer service, and an active property and casualty license all help you compete for entry-level underwriting roles against candidates with no field experience.
What does the personal lines underwriter interview process look like?
Most personal lines underwriting interviews include an initial phone screen with HR, followed by one or two rounds with an underwriting manager or regional director. Expect technical questions about how you evaluate risk, handle guideline exceptions, and manage agent relationships. Some carriers include a written underwriting scenario where you assess a sample submission and explain your accept, modify, or decline decision.
Where can I find and apply to personal lines underwriter jobs?
You can find and apply to personal lines underwriter jobs on Migrate Mate, which lists current openings from carriers, MGAs, and regional insurers across the United States. Search for roles that match your lines of experience, your preferred work arrangement, and your state licensing, then apply directly to each listing that fits.
See All 31 Personal Lines Underwriter Jobs
Find roles that match your experience and apply in just a few clicks.
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