Underwriter Personal Lines

Benefits of working for Safety

Safety Insurance is proud to be one of the leading property and casualty insurance providers in Massachusetts. We are committed to supporting independent agents and their customers through our unwavering dedication to excellence.  Our success is built on a simple philosophy: deliver the highest quality insurance products at competitive rates while providing exceptional service at every step. 

At Safety Insurance, we don’t just offer jobs – we offer careers that are challenging, fulfilling, and designed to grow with you.

Our people are our greatest asset. A diverse workforce makes us stronger, more innovative, and better equipped to serve our customers. At Safety, we empower our employees to be their best by fostering an inclusive environment and offering resources that support their careers, education, and families. We also understand the importance of work-life balance. That’s why we offer hybrid work options, flexible schedules, and a 37.5-hour workweek.  Conveniently located in the heart of Boston’s financial district, our downtown office is a positive space where employees can stay connected to both each other and the pulse of the city.

Safety’s benefits go beyond the basics. In addition to competitive salaries, our comprehensive benefits package includes:

• Medical, vision, and dental insurance
• 3 weeks accrued PTO
• 100% matching 401(k) retirement plan
• 100% tuition reimbursement
• Free on-site fitness center
• Complimentary coffee and breakfast service
• …and much more!

Join Safety Insurance and discover a career that’s built to support your success – both personally and professionally.

Job Summary 

Under the supervision of the Underwriting Manager, the Personal Lines Underwriter supports the interests of the company and its agents. Builds and maintains outstanding relationships with assigned agencies as well as internal units. Manages the assigned book of business to ensure department objectives of profitability, retention, efficiency and service are met. Provides support on all underwriting related matters, resolves problems and ensures compliance with both company and state mandated procedures. Acts as a source of underwriting knowledge for agents, new employees, and other departments.

Responsibilities 

• Analyze risk characteristics, loss history, and other underwriting information discovered through third-party vendor data to determine eligibility and pricing accuracy.
• Evaluate and underwrite new and renewal business in accordance with published guidelines and regulatory requirements.
• Develop and maintain strong relationships with agency partners to promote profitable growth and retention.
• Document underwriting decisions thoroughly by clearly outlining rationale to support risk decisions, pricing updates, and exceptions based on data and underwriting judgment.
• Effectively communicates decisions, guidelines, and requirements through written and verbal interactions with agent partners.
• Maintains and follows through on diary items to obtain needed underwriting information from agents.
• Respond to a high volume of calls and emails to meet productivity and time service goals.
• Acts as a source of information and an advocate for all Underwriting systems including Power Desk and Safety Express.
• Develop and maintain strong working relationships with fellow Underwriting staff and staff from various departments.
• Performs other activities and projects as required.

• Two Years of personal lines experience is required

• 4-year college degree is preferred

• Strong knowledge of personal insurance products including auto, home, dwelling fire, and umbrella coverage.

• Proficiency with Microsoft Excel and Word.

• Excellent analytical, decision-making, and problem-solving skills.

• Strong organizational, communication, and relationship-building skills.

• Ability to manage priorities, implement improvement plans and monitor progress.

• Ability to travel to assigned agencies.

Salary : $75,000 - $95,000