What are the responsibilities and job description for the Personal Lines Underwriter position at Fergus Farm Mutual Insurance?
Company Description Fergus Farm Mutual Insurance is a locally rooted insurance provider headquartered at 224 W Main St Ste 503 in Lewistown, Montana. The company focuses on serving individuals, families, and businesses in the community with reliable insurance products and services. Team members benefit from working in a close-knit environment where decisions are made locally and customer relationships are valued. Fergus Farm Mutual Insurance offers opportunities to build a career in insurance while contributing to the financial security of policyholders in the region.
Role Description The Personal Lines Underwriter is a full-time, on-site position based in Lewistown, MT. This role is responsible for reviewing and evaluating personal insurance applications, renewals, and policy changes for coverage such as homeowners and farm-related personal lines. Day-to-day tasks include assessing risk profiles, analyzing documentation, determining appropriate coverage limits and pricing, and making underwriting decisions in line with company guidelines. The Personal Lines Underwriter collaborates with agents and internal teams to clarify underwriting questions, communicate decisions, and provide guidance on coverage options. The role also involves maintaining accurate records, monitoring portfolio performance, and contributing to the continuous improvement of underwriting processes and standards.
Qualifications
Role Description The Personal Lines Underwriter is a full-time, on-site position based in Lewistown, MT. This role is responsible for reviewing and evaluating personal insurance applications, renewals, and policy changes for coverage such as homeowners and farm-related personal lines. Day-to-day tasks include assessing risk profiles, analyzing documentation, determining appropriate coverage limits and pricing, and making underwriting decisions in line with company guidelines. The Personal Lines Underwriter collaborates with agents and internal teams to clarify underwriting questions, communicate decisions, and provide guidance on coverage options. The role also involves maintaining accurate records, monitoring portfolio performance, and contributing to the continuous improvement of underwriting processes and standards.
Qualifications
- Strong knowledge and experience in Personal Insurance and Insurance products relevant to homeowners, auto, and other personal lines.
- Demonstrated Underwriting expertise, including evaluating risk, interpreting policy terms, and applying underwriting guidelines consistently.
- Robust Analytical Skills for reviewing applications, assessing risk factors, and making data-informed decisions.
- Effective Communication skills for working with agents, policyholders, and internal colleagues, including clear written and verbal correspondence.
- Attention to detail and organizational skills to manage multiple files, meet deadlines, and ensure accuracy in documentation.
- Ability to work on-site in Lewistown, MT, and collaborate in a team-oriented, customer-focused environment.
- Proficiency with common office and insurance software systems; comfort with learning new tools and platforms.
- Insurance education can be provided for the right indivual who wants a career in insurance. Relevant education such as a degree or coursework in business, finance, or insurance, and professional designations (e.g., CPCU, AU) are beneficial.
- Prior experience in insurance is preferred but not required.