Personal Line Underwriter (Homeowners & Dwelling Fire) - HYBRID

Job Title

• Personal Line Underwriter (Homeowners & Dwelling Fire)

Location

• 1010 Northern Blvd., Suite 238, Great Neck, NY 11021

 Salary

• $65,000 - $95,000/year 

 Position Type

• Full-time
• Non-exempt (Hourly) or Exempt (Salaried)
• Monday – Friday
• 9:00 am – 6:00 pm
• Hybrid after 90 days – 3 days in office/2 days remote

 Reports to

• Deputy Branch Manager

 Position Overview:

DB Insurance is seeking a Personal Lines Underwriter to join our team! As a Personal Lines Underwriter specializing in Homeowners & Dwelling Fire, you will assess risks for individual clients by analyzing client information, applying underwriting guidelines, and collaborating with agents and brokers to deliver competitive and profitable insurance solutions. Your expertise will play a crucial role in maintaining a well-balanced portfolio that aligns with the company’s risk management objectives.

Key Responsibilities

• Assess property characteristics, claims history, and other relevant data to determine insurability and risk level.
• Conduct risk analysis and assessments in accordance with company underwriting guidelines and state regulations.
• Make informed decisions on accepting, rejecting, or modifying insurance applications based on underwriting policies.
• Collaborate with agents, brokers, and customer service teams to communicate underwriting decisions and address inquiries.
• Ensure compliance with regulatory requirements and company standards in all underwriting practices.
• Review the assigned book of business regularly to maintain portfolio balance and identify growth opportunities.
• Stay informed on market trends, emerging risks, and regulatory changes to adjust underwriting strategies as needed.
• Participate in training programs to stay current on underwriting best practices, product updates, and industry developments. 

Qualifications

• Bachelor’s degree in Business, Finance, Insurance, or a related field, or equivalent work experience (open to entry-level candidates and experienced professionals)
• 0 to 3+ years of experience in personal lines underwriting, with position level based on experience
• Understanding of underwriting principles, policy guidelines, and state-specific insurance regulations, particularly for Homeowners and Dwelling Fire
• Strong analytical and decision-making skills with high attention to detail and accuracy in risk assessment
• Excellent communication skills with a customer-service mindset to build strong relationships with agents, brokers, and internal teams
• Proficiency in Microsoft Office Suite or Google Workspace applications
• Familiarity or experience with underwriting software and rating tools is preferred
• Effective time management skills with the ability to handle multiple tasks and meet deadlines
• Ability to adapt to changing underwriting guidelines and evolving market conditions

 Preferred Qualifications

• Professional designations such as CPCU (Chartered Property Casualty Underwriter) or AU (Associate in Underwriting) are a plus

Benefits

• Medical (PPO), dental (PPO), vision (PPO), and life insurance covered 100% by the company and 50% for dependents
• Monthly manager stipend
• Paid time off and sick leave
• 13 annual paid holidays
• 401(k) plan with up to 4% company match
• Flexible Spending Account (FSA) & Dependent Care FSA
• Job-related training reimbursement
• Casual dress code

About Us 

At DB Insurance USA, we carry forward a legacy of excellence that began in South Korea in 1962 and expanded to the U.S. in 1984. Backed by the financial strength of a global powerhouse (AM Best Rating: A+, S&P Rating: A+), we combine world-class resources with the agility of a close-knit team. With offices in California, Hawaii, New York, and Guam, we provide innovative insurance solutions tailored to protect your property, business, and livelihood. We are committed to fostering a culture of inclusion and innovation, ensuring exceptional service and peace of mind for every policyholder.