Personal Lines Underwriter

Location: Can be remote in Houston, TX or in our Tampa, FL office - MUST HAVE P&C Underwriting Experience IN Texas
Company: Heritage Insurance Companies

About the Role

We’re seeking a motivated and detail-oriented Personal Lines Underwriter to join our growing national homeowners insurance team. In this role, you’ll review, evaluate, and rate insurance applications to determine eligibility and manage risk in accordance with established company guidelines. You’ll play a key part in evaluating risk, supporting agency relationships, and ensuring we deliver exceptional service to our partners and policyholders.

Key Responsibilities

Collaboration & Communication

• Partner effectively with Underwriting, Operations, Product Management, Claims, and Sales teams.
• Communicate clearly and professionally with coworkers, management, vendors, and external partners.
• Actively participate in underwriting projects and initiatives that support team goals.

Customer & Agent Relations

• Build and maintain positive relationships with producers to support business growth and retention.
• Provide agents with guidance on application submissions and eligibility expectations.
• Participate in agency management and engagement activities.
• Respond to inquiries from policyholders and prospects in a timely and professional manner.

Risk Evaluation

• Review applications, loss history, and supplemental information to determine risk acceptability within authority levels.
• Assess potential loss exposures based on catastrophe, claim frequency, and severity.
• Handle high-value and exceptional risks as authorized.
• Review inspection reports, endorsement requests, cancellations, and renewals for compliance and eligibility.
• Ensure accurate rating of new and renewal policies using internal systems and reference tools.
• Obtain and analyze additional documentation as needed for underwriting decisions.
• Maintain compliance with state and federal regulations, as well as company policies and procedures.

Qualifications

• Education: Associate’s or Bachelor’s degree preferred.
• Licensure: 2-20, 20-44PL, or 4-40 license preferred.
• Experience:
  • Minimum three (3) years of property and casualty agency or company experience required.
  • At least one (1) year of property and casualty underwriting experience required.
• Technical Skills: Proficiency with Microsoft Office Suite and internet research tools.
• Knowledge: Solid understanding of industry regulations, underwriting practices, and risk management principles.
• Interpersonal Skills:
  • Strong communication and relationship-building abilities.
  • Excellent customer service orientation with a proactive problem-solving mindset.
  • Highly organized, detail-oriented, and adaptable in a fast-paced environment.
  • Team-oriented collaborator who contributes positively to workplace culture.

Additional Information

• All employees must successfully complete a pre-employment background check; additional screenings may be required depending on role (e.g., driving history, credit check, etc.).
• This job description outlines general responsibilities and qualifications but is not an exhaustive list. Duties may be adjusted as business needs evolve.

Equal Opportunity Employer

Heritage Insurance Holdings, Inc. is an Equal Opportunity Employer. We value diversity and do not unlawfully discriminate against qualified applicants or employees based on race, color, national origin, ancestry, sex, sexual orientation, age, religion, disability, marital status, veteran status, or any other protected characteristic under applicable law.