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Underwriter - Level 1 in Nashville, TN at Acceptance Insurance

Date Posted: 2/24/2018

Job Snapshot

Job Description


Job Overview: 

An employee in the underwriter 1 role handles the evaluation of individual customer risks to ensure rating accuracy and proper risk selection.  An underwriter 1 reviews insurance policies written by agents to validate underwriting processes were followed correctly and insurance applications are complete and compliant with underwriting guidelines.  Underwriter 1 must complete all job assignments within established productivity and quality standards.


As a Team Member at Acceptance Insurance, you will be part of growing organization that continues to evolve and positively impact the lives of our customers.


Acceptance Insurance offers a full line of benefits including: Health Insurance, Dental, Vision, Paid Vacation, Disability Insurance and Employer Matching 401(k) Program.


Company Overview:

We are principally a retailer, servicer and underwriter of non-standard personal automobile insurance based in Nashville, Tennessee. Our insurance operations actively generate revenues from selling non-standard personal automobile insurance policies and related products in 16 states. We currently conduct our servicing and underwriting operations in 13 states and are licensed as an insurer in 13 additional states.


At March 31, 2017, we leased and operated 355 retail locations and a call center staffed with employee-agents. Our employee agents primarily sell non-standard personal automobile insurance products underwritten by us, as well as certain commissionable ancillary products. In most states, our employee-agents also sell a complementary insurance product providing personal property and liability coverage for renters underwritten by us. In addition, retail locations in some markets offer non-standard personal automobile insurance serviced and underwritten by other third-party insurance carriers for which we receive a commission. In addition to our retail locations, we are able to complete the entire sales process over the phone via our call center or through the internet via our consumer-based website or mobile platform. On a limited basis, we also sell our products through selected retail locations operated by independent agents. 



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  • Reviews customer applications for Property and Casualty insurance coverage to determine if applicant is an acceptable risk for an insurance policy with Acceptance Insurance.
  • Evaluates individual file characteristics, risk exposures, and potential for future losses, aligned with underwriting guidelines and compliant with insurance regulations.
  • Assures adequate pricing of individual risks; correct policy forms, discounts, and coverages used, and recommends policy changes when appropriate.
  • Reviews customers' loss history report and motor vehicle report to validate correctness of application information for policy rating.
  • Recommends declining a risk for which an equitable price level cannot be charged or which may not fit in the company’s line of insurance products offered or within established underwriting guidelines for acceptance.
  • Processes daily workload in a timely manner and within quality standards set by underwriting manager.
  • Requests and follows up on any missing policy documents from agent or customers, as required by underwriting guidelines and insurance regulations.
  • Supports agents, call centers, and other department employees with questions and feedback related to underwriting processes and procedures.
  • Facilitates resolution of unresolved customer issues within a timely manner to ensure proper and satisfactory closings are obtained.
  • Supports ongoing evaluation of underwriting processes for efficiency and effectiveness in meeting underwriting objectives.
  • Participates as subject matter expert on project level assignments of low complexity with other departments, as directed by underwriting manager.

Job Requirements

  • Familiarity with property and casualty insurance products
  • Ability to communicate effectively and professionally in verbal and written channels with both internal and external customers
  • Self directed in completing daily workload assignments according to productivity and quality standards
  • Ability to work both independently and in a team environment
  • Basic knowledge of and experience using Microsoft Word, Excel, and Power Point software tools
  • Expedient in data processing and typing skills
  • Ability to multitask and remain flexible to shift between assignments
  • Ability to sit in front of a computer screen while working within a structured time schedule